Time is so important to us. Years ago, people told the time from the seasons and the tides and the …
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credit building
A lot of credit advice is written to help people whose credit is somewhere between the “good” and “not-so-good” range. …
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Halloween is approaching. For kids, it’s a time to dress up and run across people’s lawns to get candy. For …
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Are you trying to rebuild your credit? Fingerhut, an online retailer, says it wants to help with its FreshStart program, …
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It was the moment of truth: Sam sat across from the loan officer at the local bank. The loan officer …
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Repairing a shoddy credit report requires time, but there are few steps you can take to expedite the process. Here’s …
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It’s easy to blast Suze Orman for her issuing a new prepaid debit card, The Approved Prepaid MasterCard, and to …
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Once your credit score slips into the poor or bad credit category — below 650 — consider getting a credit …
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Despite FICO roll-out delays, authorized user accounts are not likely to be counted in credit scores. Most lenders and credit score users have figured out the scam and adjusted their models accordingly. Buying an authorized tradeline is a gamble at best and most-likely a huge waste of money. There is no “grandfathering” of these authorized accounts. Even if they do manage to get you a score boost now, the increase will disappear once everyone converts to the new scoring formula.
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Secured cards work by having you deposit a cash amount into a savings account to “secure” the credit limit. If you put $500 in the savings account, you’ll have a $500 credit limit. Getting together this deposit may be tricky, but you’ll save a lot in rates and frees over unsecured cards. When the card is closed or moved to being unsecured, you’ll get your deposit back with interest.
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