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Important Points When Using Secured Credit Cards

Using the wrong credit card, the wrong way, can actually hurt your credit rather than repair it.  Here are a few tips you should consider: Never use a credit card that advertises “everyone is approved.” These credit cards loaded with fees and do not offer you the chance to increase your credit limit. Often, you [...]

Balance Transfers Using 0 Interest Credit Cards

Did you know that even in this crazy credit market, you can still borrow money interest free? Many credit card companies are still offering offer 0 interest credit cards; and, receiving this type of loan easier if you have a good credit score.  But, with the recent FICO 08 changes, even those with minor credit [...]

Loans For Bad Credit: Sources of Loans For People With Bad Credit

With the tightening of credit over the past year, those with fair to poor credit scores are finding it difficult to obtain a loan. In fact, if you have bad credit, finding bad credit loans is even more difficult as conventional lenders are just nor going to lend to those with bad credit.  Fortunately, there [...]

Bad Credit Loans: What You Need To Know About Loans For Bad Credit

Even if you have bad credit, you might need to secure a personal loan.  A “Bad credit loan” is designed to provide credit to people with bad credit who need to obtain a personal loan.   If you are willing to pay the higher interest rates and associated “fees”, you can still get access to credit [...]

New Rules For Credit Scores: How Will FICO 08 Affect Your Credit?

Need to buy a car or apply for a new credit card? How will the new methods of calculating FICO scores affect your ability to obtain credit? Indeed, those pesky little credit scores serve as a reminder that all of our past credit card transgressions are recorded and will haunt us for a number of [...]