Larger Credit Limits Can Result in a Better Credit Score (But Be Careful!)

Larger Credit Limits Can Result in a Better Credit Score (But Be Careful!)

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Larger Credit Limits Can Result in a Better Credit Score (But Be Careful!)
Larger Credit Limits Can Result in a Better Credit Score (But Be Careful!) View recent blog entries Submitted by Rachel on Thu, 08/24/2017 – 08:53 Use your plastic carefully for a better credit score Image Source: Pixabay.com Bouncing back after bankruptcy is a journey and those that racked up big credit card debt that was […]
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Credit Report Disputes May Improve Your FICO Score

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Credit Report Disputes May Improve Your FICO Score
Credit Report Disputes May Improve Your FICO Score Rachel Thu, 10/12/2017 – 09:21 Filing credit report disputes may help your score Image Source: Flickr User CafeCredit.com Your credit score is determined by an algorithm calculated on your credit report data. Each credit score calculation (and there are hundreds of them) will vary slightly. There are […]
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5 Great Apps To Help Improve Your Credit Score

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5 Great Apps To Help Improve Your Credit Score
5 Great Apps To Help Improve Your Credit Score Rachel Thu, 10/05/2017 – 09:21 Apps can help you improve your credit score Image Source: Flickr User Lisa Risager Digital devices are mandatory for life in the 20-teens, but beyond sharing photos of your favorite entrée, cat, kid, or sunset, they offer free and low-cost tools […]
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When Rebuilding Your Credit, Payment History Is Critical

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When Rebuilding Your Credit, Payment History Is Critical
When Rebuilding Your Credit, Payment History Is Critical Rachel Thu, 09/28/2017 – 09:27 Payment history is crucial for good credit Image Source: Flickr User kate hiscock When you’re rebuilding your credit history – after a financial hiccup, after bankruptcy – or if you’re building it for the first time when you’re just starting out, it’s […]
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5+ Reasons You Need Good Credit – Some Of These May Surprise You

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5+ Reasons You Need Good Credit – Some Of These May Surprise You
5+ Reasons You Need Good Credit – Some Of These May Surprise You Rachel Thu, 09/21/2017 – 09:00 Surprising reasons you need good credit Image Source: Flickr User Beta-J Everyone wants good credit. The idea of having bad credit is embarrassing and a secret most people don’t want anyone else to know. Even if you […]
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Credit Score Lingo You Must Understand – When Rebuilding Your Score, Knowledge Is Key

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Credit Score Lingo You Must Understand – When Rebuilding Your Score, Knowledge Is Key
Credit Score Lingo You Must Understand – When Rebuilding Your Score, Knowledge Is Key Rachel Thu, 09/14/2017 – 09:42 It pays to know your credit terms Image Source: Pixabay.com Finances and credit scores are something we all deal with, but sometimes the words and phrases that get thrown around might be confusing. Even if you […]
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5 Ways to Improve Your Credit Score This Year

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5 Ways to Improve Your Credit Score This Year
5 Ways to Improve Your Credit Score This Year Rachel Wed, 07/05/2017 – 03:05 Good habits protect your credit scoreImage Source: Flickr User Araí Moleri Riva-Zucchelli   After bankruptcy, one of the first things to do to take full advantage of the fresh start you have is to begin rebuilding your credit as soon as […]
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When Paying Debt Can Hurt Your Credit Score – And Why

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When Paying Debt Can Hurt Your Credit Score – And Why
When Paying Debt Can Hurt Your Credit Score – And Why Rachel Thu, 07/13/2017 – 03:08 When paying debt can hurt your credit scoreImage Source: Pixabay.com     There are lots of reasons to improve your credit score. If you want to buy a new car or get a home loan or refinance your existing […]
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Credit Scores Are Better Than Ever – Why It’s the Perfect Time to Improve Your FICO Calculation

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Credit Scores Are Better Than Ever – Why It’s the Perfect Time to Improve Your FICO Calculation
Credit Scores Are Better Than Ever – Why It’s the Perfect Time to Improve Your FICO Calculation Rachel Thu, 07/20/2017 – 03:10 Now is the time to work on your creditImage Source: Flickr User Investment Zen   Credit scores are, on average, higher than they have ever been. If you’re coming out of bankruptcy or […]
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The Benefits of Aging – Most Older Americans Have Higher Credit Scores

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The Benefits of Aging – Most Older Americans Have Higher Credit Scores
The Benefits of Aging – Most Older Americans Have Higher Credit Scores Rachel Fri, 07/28/2017 – 03:13 Older Americans usually have higher credit scoresImage Source: Pixabay.com   When you think about getting older, you might focus on the negatives. You may not be able to jog as far as you once could, and you’ll notice […]
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When Working to Improve Your Credit Score, Utilization Is Critical

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When Working to Improve Your Credit Score, Utilization Is Critical
When Working to Improve Your Credit Score, Utilization Is Critical Rachel Thu, 08/03/2017 – 03:06 What percent of your credit are you using?Image Source: Pixabay.com   Once you ditch your debt using bankruptcy, the next step is rebuilding your credit. Getting credit cards and using them wisely is key to re-establishing your credit as fast […]
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How Using Cash Advances Can Hurt Your Credit Score

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How Using Cash Advances Can Hurt Your Credit Score
How Using Cash Advances Can Hurt Your Credit Score Rachel Thu, 08/10/2017 – 09:04 Cash advances come at steep costs Image Source: Pixabay.com Most credit cards offer the option to take a cash advance. Some card issuers send out blank checks you can write that, when cashed, will operate as a cash advance. Others provide […]
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Tip: Use Your Credit Cards to Protect Your FICO Score

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Tip: Use Your Credit Cards to Protect Your FICO Score
Tip: Use Your Credit Cards to Protect Your FICO Score View recent blog entries Submitted by Rachel on Thu, 08/17/2017 – 09:04 Your credit card accounts can be closed without notice Image Source: Pixabay.com Although it seems counter-intuitive, the fact is that if you do not use your credit cards, it can (indirectly) harm your […]
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How Do Student Loans Affect Your Credit Score?

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How Do Student Loans Affect Your Credit Score?
How Do Student Loans Affect Your Credit Score? View recent blog entries Submitted by Rachel on Thu, 08/31/2017 – 09:38 Too broke for student loans? Your credit score might suffer Image Source: Pixabay.com Student loans, like most financial obligations, have the power to impact your credit score for the positive or the negative, depending on […]
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Protect Yourself After the Equifax Data Breach

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Protect Yourself After the Equifax Data Breach
Protect Yourself After the Equifax Data Breach View recent blog entries Submitted by Rachel on Thu, 09/07/2017 – 08:00 Beware the Equifax data breach Image Source: Pixabay.com A data breach at credit reporting bureau Equifax may affect more than 140 million consumers. The breach happened between May and July 2017 and resulted in hackers gaining […]
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When Working to Improve Your Credit Score, Utilization Is Critical

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When Working to Improve Your Credit Score, Utilization Is Critical
What percent of your credit are you using?Image Source: Pixabay.com Once you ditch your debt using bankruptcy, the next step is rebuilding your credit. Getting credit cards and using them wisely is key to re-establishing your credit as fast as possible. The downside to being so deep in debt that you turn to bankruptcy is […]
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The Benefits of Aging – Most Older Americans Have Higher Credit Scores

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The Benefits of Aging – Most Older Americans Have Higher Credit Scores
Older Americans usually have higher credit scoresImage Source: Pixabay.com When you think about getting older, you might focus on the negatives. You may not be able to jog as far as you once could, and you’ll notice a few smile lines and some gray hairs. However, lots of things also get better with age including […]
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Credit Scores Are Better Than Ever – Why It’s the Perfect Time to Improve Your FICO Calculation

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Credit Scores Are Better Than Ever – Why It’s the Perfect Time to Improve Your FICO Calculation
Now is the time to work on your creditImage Source: Flickr User Investment Zen Credit scores are, on average, higher than they have been historically. If you’re coming out of bankruptcy or other tough financial circumstance, now is a good time to work on improving your credit score because changes in the economy, credit reporting […]
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When Paying Debt Can Hurt Your Credit Score – And Why

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When Paying Debt Can Hurt Your Credit Score – And Why
When paying debt can hurt your credit scoreImage Source: Pixabay.com There are lots of reasons to improve your credit score. If you want to buy a new car or get a home loan or refinance your existing mortgage, you’ll get a preferable interest rate with a higher credit score. If you’re hoping for a new […]
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5 Ways to Improve Your Credit Score This Year

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5 Ways to Improve Your Credit Score This Year
Good habits protect your credit scoreImage Source: Flickr User Araí Moleri Riva-Zucchelli After bankruptcy, one of the first things to do to take full advantage of the fresh start you have is to begin rebuilding your credit as soon as possible. Within just a few months of your bankruptcy discharge, it’s time to start working […]
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Your Credit Score May Go Up July 1 – Here’s Why You May Have More to Celebrate Soon

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Your Credit Score May Go Up July 1 – Here’s Why You May Have More to Celebrate Soon
Some credit items will be purged Saturday Image Source: StockSnap.io On Saturday, July 1, many Americans will get a pre-Independence Day reason to celebrate when their credit score goes up without them changing a thing they’re doing. Both FICO and VantageScore have estimated that up to 20 million consumers will get a boost this weekend […]
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What You Must Know About Credit Utilization

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What You Must Know About Credit Utilization
Credit cards can help or hurt your creditImage Source: Flickr User CafeCredit.com You know the old saying, use it or lose it? To some extent, that’s true with credit utilization and credit cards, but you can also lose it if you use it too much. Card issuers won’t like it if they approve you for […]
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7 Truths About Your Credit Score You Might Not Know

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7 Truths About Your Credit Score You Might Not Know
Things you need to know about creditImage Source: StockSnap.io There’s a lot of misinformation out there about credit scores. Even people that consider themselves savvy about their credit score might believe some myths that have gained traction online. Understanding how your credit score is calculated and what impacts your credit report are critical to know […]
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Getting a Car After Bankruptcy – Lease or Buy – And What Credit Score Do You Need?

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Getting a Car After Bankruptcy – Lease or Buy – And What Credit Score Do You Need?
You can buy a car after bankruptcyImage Source: StockSnap.io One of the primary concerns for many bankruptcy filers is what happens after their discharge. They want to know what options they will have, whether they can get credit again, how soon they can get credit, and whether they can buy a house or car. When […]
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Good News! US Credit Scores Have Never Been Higher – But Debt Is Climbing Too

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Good News! US Credit Scores Have Never Been Higher – But Debt Is Climbing Too
Credit score rising, but so is debtImage Source: Flickr User Investment Zen The Wall Street Journal recently shared the good news that this Spring, US credit scores reached their highest levels since FICO started tracking scores (which began back in 2005). The average American’s credit score is now 700. That’s impressive on the scale of […]
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Did You Know Bankruptcy Discharge Can Increase Your Credit Score?

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Did You Know Bankruptcy Discharge Can Increase Your Credit Score?
Bankruptcy can help improve your credit scoreImage Source: Flickr User CafeCredit.com Most consumers considering filing bankruptcy wrongly believe that doing so will wreck their credit score for a decade. Nothing could be further from the truth so long as you take advantage of the fresh start offered by bankruptcy and work to improve your credit […]
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What You Don’t Know About Your Credit Score Can Hurt Your Finances

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What You Don’t Know About Your Credit Score Can Hurt Your Finances
Confused by credit score? You’re not aloneImage Source: Flickr User CollegeDegrees360 Financial site Nerd Wallet recently published the results of its latest survey it conducted last month and the findings are stunning when it comes to what many consumers don’t know about their credit score. Just 26% of Americans check their score monthly or more frequently […]
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