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It seems that just about everything you purchase these days has mentions of APR, yet there’s not a lot of talk about what these 3 letters stand for, nor how they work. So I’m going to attempt to break it down to the best of my ability. Feel free to add any comments, tips or […]

Credit cards can make or break our credit, and with the way the economy is, it can cause piles of debt and a ton of stress. Was it worth it? Probably not. Want to learn how to pay off credit card debt and get rid of the headaches? Follow along as we do our best to show […]

The term credit card balance transfer comes up a lot these days, especially with new credit card offers, but how do they work and are they good for your credit? Should you take advantage of a credit card balance transfer? What is a Balance Transfer A balance transfer is simply the process of moving a […]

When looking for ways to repair your credit, don’t pay a company for a service that you can do on your own. Actually, you can repair and improve your credit worthiness on your own for free, at least this is what the Federal Trade Commission (FTC) has to say. The FTC warns people wanting to […]

Many people struggle with credit, but this is fairly normal in this day and age, especially when you consider the economic issues of today, as well as the lack of financial education available to children and teenagers. With these things considered, there are still ways to build or fix your credit with credit cards. There […]

Checking your credit report or your credit score doesn’t have to cost you money. There are quite a few free resources that exist to help you check your credit, and most even allow you to monitor your credit for free! What’s the catch? There is no catch. These websites, except for AnnualCreditReport.com, which is free due […]

What Are Tradelines Tradelines are important for establishing credit, as “tradelines” are simply accounts that appear on your credit profile. For example, if you have a credit card with, say, Discover Card, then you have an existing tradeline with that company (Discover). The more positive tradelines you have on your credit report, the better. But the fact is, […]

How to Raise Your Credit Score 100 Points in 90 Days Note: this article does not guarantee you will be able to boost your credit score by 100 points in 90 days, but it will give you a good idea of what is possible if you take your time to clean up your credit report […]

The method of verification is an important step in trying to fix your credit, so I think you’ll agree that it’s important to get the wording of the letter right. We’ll give you an example of the method of verification letter that you can change to your own purposes. Before that however, we will go […]

Question What is a soft inquiry and how does it affect my credit? Answer Inquiries occur anytime a company decides to do a credit check, or “pulls your credit report”.  These credit checks can involve hard pulls or soft pulls, also known as hard inquiries or soft inquiries. Soft inquiries (“soft pulls”) are caused by […]