6 Ways to Build Credit Without Breaking a Sweat

Credit Score

6 Ways to Build Credit Without Breaking a Sweat

6 Ways to Build Credit Without Breaking a Sweat

Your credit score is one of the most important numbers in your entire life. We all know that banks and credit card companies use it for loans and lines of credit, but did you know many others, like cellphone companies and landlords, use it to make decisions, too? Establishing and building your credit is one... Read More

4 Habits That Can Help You Build Good Credit

Credit Score

4 Habits That Can Help You Build Good Credit

4 Habits That Can Help You Build Good Credit

Whether you’re in the market for a new house, car or another major purchase, you’re going to want to make sure you’re creditworthy. While it can take time to build good credit, there are some habits you can adopt to boost your scores and, subsequently, your reputation in the eyes of lenders and financial institutions.... Read More

How Long Does It Really Take to Improve Your Credit?

Credit Score

How Long Does It Really Take to Improve Your Credit?

How Long Does It Really Take to Improve Your Credit?

I was recently looking through last year’s check registers for confirmation of a payment I had made when I noticed my handwriting on several pages looked odd. It took me a moment to realize why: at the time, my right hand was in a cast and I had been writing with my left. I remembered... Read More

Help! I Have No Credit Score

Credit Score

Help! I Have No Credit Score

Help! I Have No Credit Score

Establishing a good credit score can be a confusing process, especially if you are getting conflicting advice about the best way to do it. A Credit.com blog reader asked us recently about the best way to build a credit score. He said he plans to start with a secured credit card, but some people are... Read More

7 Ways to Build Credit Without a Credit Card

Credit Score

7 Ways to Build Credit Without a Credit Card

7 Ways to Build Credit Without a Credit Card

Let’s say you know you want good credit, but you also know you do NOT want the most ubiquitous credit product around. No way do you want a credit card. Perhaps you follow a certain personal finance guru’s advice to avoid them. Or maybe you’ve gotten in trouble with them before and don’t want to... Read More

How to Graduate From a Secured Credit Card

Credit Cards

How to Graduate From a Secured Credit Card

How to Graduate From a Secured Credit Card

When you have bad credit, it can feel like no one will give you a loan, even though you can’t rebuild your credit history without one. Secured credit cards can offer a way out of this conundrum because issuers typically approve nearly all applicants for these kind of cards, regardless of credit history. But in order to open... Read More

5 Credit Cards to Help You Build Credit

Credit Cards

5 Credit Cards to Help You Build Credit

5 Credit Cards to Help You Build Credit

Do you need to build your credit? Perhaps you are a young adult who has never had a credit card, or maybe you are a new arrival to the U.S. without a credit history here. Others may need to build credit after having gone decades without applying for any type of loan. Thankfully, the right credit... Read More

How Your Cellphone Can Help You Build Credit

Credit Score

How Your Cellphone Can Help You Build Credit

How Your Cellphone Can Help You Build Credit

Mobile alerts from your credit card issuer can do much more than alert you to possible fraud. You can use that information to help you improve your credit. First, a word about how credit scores work. The two biggest factors are paying on time (35%) and the amount of credit you use relative to your... Read More

Does Bad Credit Last Forever?

Credit 101

Does Bad Credit Last Forever?

Does Bad Credit Last Forever?

There’s no sugarcoating it: Going through foreclosure, bankruptcy or debt collection is unpleasant. When going through financial problems, it may seem like things are far from getting better, including your credit score, but having a few bad marks on your credit history doesn’t mean you’ll never bounce back. Eventually, negative items will age off your... Read More

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