“How important is your credit score?” That question was posed to me recently as I stood onstage after delivering a …
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good credit
Is it possible to dilute your bad credit with good to boost your score? The Credit.com News & Advice Blog …
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Managing credit correctly requires a certain amount of discipline. If you let your spending get out of control or take …
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A lot is made of the extremes of the credit scoring spectrum. What does it mean to have bad credit? How can you get good credit?
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To your shock and dismay, the polite young lady behind the counter informs you that you’ve been denied because of your credit.
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We used to do a “Funny Money Friday” post each week here at CreditBloggers. But, as the economy sunk, each week it was getting a little bit harder to find anything funny in the gloomy economic and real estate headlines. So instead, let’s use our Friday’s to focus on the positive. We certainly could use some good news these days.
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It’s old news that housing, lending and credit card markets are feeling the pinch. Now student loans are in trouble and who knows who will be next. I’m frankly getting tired of reporting bad news day after day. So I’ve decided to use Funny Money Friday this week to highlight a couple good things about the credit world.
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We all know about locking the barn door after the horses have already left and it’s happening in this case. Under Alan Greenspan, the Fed took the stance that its powers did not extend to doing exactly what it is now doing. You wonder what kind of world we would have today had they been bold and done it anyway and waited for someone to tell them they had over-stepped their regulatory powers.
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You see, one of the worst credit mistakes you can make is letting an account become 90 days overdue. 30 and 60 day late payment records are damaging too, but their credit score impact is only temporary. When you are 90 days late on a credit card or loan, your credit score will drop significantly and the damage will continue for up to 7 years. One 90 day late payment is as bad for your credit score as filing for bankruptcy.
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# APR – 0% introductory APR for 12 months followed by a very low 10.99 % to 17.99% thereafter. 10.99% is about as low as credit card rates come these days.
# Credit limit – $5,000 minimum. However, if you don’t qualify they may offer you the same rates with a $500 limit instead.
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