How Your Budget Can Help You Build Credit

Credit Score

How Your Budget Can Help You Build Credit

How Your Budget Can Help You Build Credit

The building blocks of a healthy financial life are all tied to your budget — how much money is coming in, going out and where is it being used? Answering those questions and creating a budget that works for you can have a ripple effect on the rest of your finances. Specifically, a good budget… Read More

How to Boost Your Odds of Getting Approved for a Credit Card

Credit Cards

How to Boost Your Odds of Getting Approved for a Credit Card

How to Boost Your Odds of Getting Approved for a Credit Card

Everyone hates rejection. And while a personal rejection stings, having a credit card application rejected can be even worse. Applicants may feel that a card issuer has made a judgment on their entire credit history and found them lacking. In fact, even people with high credit scores can be declined and wonder why. Thankfully, here are six techniques that you can… Read More

Can You Get a Perfect Credit Score?

Credit 101

Can You Get a Perfect Credit Score?

Can You Get a Perfect Credit Score?

So you’re a little ambitious — competitive, maybe — and the idea of a good credit score seems a little, well, tame. You want a perfect credit score. But is that even possible? Shantai Dixon is hoping so. She wrote recently on the Credit.com blog: Is it possible to get a credit score to reach “perfect”… Read More

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

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