How I Raised My Credit Score 130 Points

Credit Score

How I Raised My Credit Score 130 Points

How I Raised My Credit Score 130 Points

Tonya Rapley says she knew better; she was raised to know how to manage money — and yet when she was in college (and taking out student loans), she maxed out her credit cards and “just tried to ignore it.” Then she had an opportunity to move to New York City, and she found out… Read More

Am I Too Old to Build Credit?

Credit Score

Am I Too Old to Build Credit?

Am I Too Old to Build Credit?

Is it ever too late to build credit? For many older Americans, it’s not an issue because a lifetime of good financial habits have secured them strong credit scores. In fact, the Greatest Generation – those age 66 and older — tend to have the highest average credit scores, coming in at an average VantageScore of… 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

Unless you have a ton of cash at your disposal, you’ll probably need credit at some point in your life. Whether you’re buying a home, car or big-ticket luxury item, the first thing that most lenders typically look at are your credit scores. If you have limited or no credit history, you’ll need to begin… Read More

How to Build Credit & Save at the Same Time

Personal Finance

How to Build Credit & Save at the Same Time

How to Build Credit & Save at the Same Time

Personal finance is full of decisions: Rent or buy? Roth or traditional IRA? Save or build credit? But these aren’t all either-or scenarios. In fact, having good credit and well-managed savings go hand-in-hand. “You have to be serious about building your savings, because you’ll either end up paying bills late or you’ll run up on… Read More

What Am I Doing Wrong With My Credit?

Credit 101

What Am I Doing Wrong With My Credit?

What Am I Doing Wrong With My Credit?

If you want to improve your credit, you need to look at your finances from a different point of view: a lender’s. Credit histories and scores are designed to give financial institutions an idea of what kind of borrower you are; the data help them decide whether taking you on as a customer is worth… Read More

My Credit Is a Mystery. Where Do I Start?

Credit Score

My Credit Is a Mystery. Where Do I Start?

My Credit Is a Mystery. Where Do I Start?

There’s no denying the fact that credit has become a fundamental part of our financial lives. It influences how much we pay in interest on auto loans, mortgages, student loans and credit cards. It also influences our insurance premiums, deposits on utilities and rent, and in some cases, it can even impact our ability to… Read More

Can I Get a Loan During Bankruptcy?

Managing Debt

Can I Get a Loan During Bankruptcy?

Can I Get a Loan During Bankruptcy?

Recently, I heard from a friend who filed bankruptcy several years ago. Eager to rebuild her credit at the time, she asked me for advice and read everything she could find about credit repair. She disputed mistakes on her credit reports, got a secured card, and did everything she could to get back on track…. Read More

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