Get a Fresh Start on Your Credit!
Here at Fresh Start Card Offers, we’re always telling people to pay your credit card bills on time, every time, because your payment history affects 35% of your credit score, but did you know that there are other reasons to pay on time, every time? Not only will that late
You know, I read an interesting study the other day about Millennials and credit, and in the study, it stated that Millennials utilize personal loans at a rate of 98% higher than the previous generation, and they open auto loans at a rate that’s 21% higher than the previous generation,
Bankruptcy literally causes your credit score to bottom out, but you can recover from a bankruptcy if you’re willing to work at it. In fact, if you handle your finances properly after bankruptcy and start rebuilding your credit as soon as possible after your bankruptcy is discharged, you can recover
One of the biggest hurdles that you’ll ever face once you’ve had a credit setback is not what you think it might be… It’s not that no one will give you credit because you have bad credit. It’s not that you have to find other ways to pay for things
Well, it’s that time of year again… every year, beginning in late summer and lasting almost until Christmas, we are continually bombarded with those “Preapproved” Credit Card offers in the mailbox. You know the ones that I mean…open this or that credit card, no interest until 2018, etc. Tempting, aren’t
Have you checked your credit score since the updates that took place this month? Remember, we reported back in April that beginning July 1st, big changes in the reporting standards would take place, and this could potentially affect your credit score! Here is a summary of the changes: First
Thinking about cutting up your credit cards? Closing credit card accounts that you are not using? Before you do either one of these things, you may want to think twice! Let’s face it, at one time or another, we have all run up a credit card bill that seemed to
Did you know if you’re using over 30% of your total available credit that it’s probably hurting your credit score? That’s right. Credit utilization, the simple measure of how much available credit that you have at any given time, should stay at or below 30% of your total available credit.
Have you ever tried to read those little “Terms & Conditions” updates you get in the mail every so often? Or worse, have you ever tried to make any sense of the various ways that your credit card interest is calculated? Maybe you’ve never had a credit card before and
A friend of mine is thinking about buying a house, in fact he’s been thinking about buying a house for a couple of years now. However, the last time he applied for a mortgage, he didn’t have enough credit, so his mortgage broker suggested he get a credit card or