There are a lot of people out there that will tell you that you should avoid credit cards at all costs. While that may be a nice thought, it rarely turns out to be practical advice. This is not to say that you need a ton of credit cards so you can always have the […]

Your personal credit score is the way that lenders and financial institutions figure out how good you are with money. It’s not a perfect system, but because these groups can’t actually look into your bank accounts, they’ve got to get their information another way. Your credit score is determined by three credit reporting agencies. They […]

Moving high interest debt to a 0% balance transfer credit card gives you an interest free window to pay down the debt at no interest. Depending on the offer, these cards charge no interest for up to 21 months, at which point a higher interest rate kicks in. You can save a lot of money […]

Most people need to apply for credit at one time or another. Buying a home is an expensive business and without a line of credit in the form of a mortgage, you would probably find it impossible to make the purchase. But applying for credit is not always a done deal. Lenders take lots of […]

A poor credit history can have a variety of causes – County Court Judgements against you; personal bankruptcy; falling behind with your mortgage or credit card payments, identity theft – even being self-employed. In many cases it may not even be your fault, or your problems are in the past, but it can still be […]

Living with poor credit is not impossible in America, nowadays; but it is difficult. Your less than perfect credit can make many things difficult or pricier for you. For example, your insurance company may charge higher interest rates if you have a bad credit score. So it is important that you repair your credit score. […]

Loans, credit cards and overdraft approvals all rely on your credit score. A machine assesses your credit worthiness. This makes life difficult when applying for a loan as you may have a poor credit score, even if you are in a highly paid job and pay your bills on time. Terms and conditions for all […]

It is an inevitable truth that every country has its way of determining the credit worthiness of the individual citizen. However, if you want to know more about the perfect credit score related with your country, you can try and highlight the special level of financial responsibilities. On the other hand, as per the latest […]

You were a high roller. You lived large. You did it your way. And you never, ever left home without it. Then the bills came in. It started with your home phone. Well, you were tired of hearing it ring anyway. Then it was the cell phone, then the cable, then the lights. When you […]

In the wake of an economic scenario plagued by plummeting credit scores, million of outstanding debts and soaring prices, it has become all the more important (more than ever before) to analyze your finances. Your credit scores account for a crucial part of your finances as your chances of securing loans and insurance are dependent […]

I, like many individuals, fell into the trap of credit cards, student loans, and medical bills. As a young fellow, mid-twenties, I already had my first credit card at 18 which quickly maxed out and, due to my naive nature, into default. I was also the type of person to jump into college without really […]