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

How to Maintain Good Credit Without Debt

Credit 101

How to Maintain Good Credit Without Debt

How to Maintain Good Credit Without Debt

Credit is a system of trust, and that trust can only be established through experience. It doesn’t really matter how you get started — a credit card, student loans, a personal loan, asking someone else to co-sign a loan or add you as an authorized user to their credit card — but you have to… Read More

How to Build Credit Without a Credit Card

Credit Score

How to Build Credit Without a Credit Card

How to Build Credit Without a Credit Card

If you’re looking to build or rebuild credit, some of the first suggestions you’ll hear is to apply for a regular or secured credit card or ask to become an authorized user on someone else’s card. But there’s often little said about how to do it if you want to stay away from plastic. What… Read More

How to Make Your Good Credit Score Even Better

Credit Score

How to Make Your Good Credit Score Even Better

How to Make Your Good Credit Score Even Better

If you have good credit, it’s something to be happy about. Of course, there’s always room for improvement. In a recent Credit.com survey, most respondents said they felt a sense of pride the last time they saw one of their credit scores, but they’re also interested in improving. (It was a survey of 2,206 U.S…. Read More

The Laziest Ways to Improve Your Credit

Credit Score

The Laziest Ways to Improve Your Credit

The Laziest Ways to Improve Your Credit

There are people out there who expend a lot of energy in the quest for a totally meaningless perfect credit score, which I’ve written about elsewhere. Most people know it’s important to have good credit, but they don’t want to spend too much time worrying about it. The good news is that you can be… Read More

Are You Too Young to Build Credit?

Credit Score

Are You Too Young to Build Credit?

Are You Too Young to Build Credit?

Should high school seniors get a credit card to build credit? For these young adults and their parents, the question isn’t academic. They face this question as soon as they turn 18. The benefits of building good credit are numerous; lower interest rates when you borrow and lower insurance premiums are just two of them…. Read More

The Smart Way to Rebuild Credit

Credit 101

The Smart Way to Rebuild Credit

The Smart Way to Rebuild Credit

Even if you’re not the most organized person, you should have a plan for building a good credit score.  The good news is building credit isn’t complicated — you just need to know a few things to get started. Know What You’re Dealing With If you don’t know what’s broken, you’re going to struggle to… Read More

4 Credit Score Hacks

Credit Score

4 Credit Score Hacks

4 Credit Score Hacks

If you want to use credit or get a loan someday, you should work on raising your credit score. It can take a while to earn a good credit standing, and for the most part, that’s how the game is played: with patience and good behavior. But there are a few tricks to make it… Read More

How Technology Can Help You Build Credit

Credit Score

How Technology Can Help You Build Credit

How Technology Can Help You Build Credit

Is life getting busier? It seems to be. Parents with school-aged children seem to be busier than I was when my daughter was young (she’s just starting college this month!), and I think I was busier than my parents were when I was a child. I’m not here to tell you that things should slow… Read More

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