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,
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
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.
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
Whether your credit is extremely good or extremely bad or somewhere in between, it’s really easy to fall into the habit of using your credit cards irresponsibly… whether it’s that shopping spree you just couldn’t resist or that cash crunch you’re trying to avoid, irresponsible use of your credit cards
Even those of us with good credit sometimes need a fresh start on debt! About once a year, I sit down and analyze all of my monthly expenses, including my mortgage, car loan, and my credit card debt. I look at things like overall debt, the balance on each loan,
Getting a fresh start on your credit after a divorce is not easy! As with everything else that you must divide when you divorce, you must also work to separate your credit files from those of your ex-spouse. This can mean selling or refinancing your home, your vehicles, renegotiating personal
If you listen to certain famous financial advisers, some of them will tell you that you should never use credit, that you should pay for everything in cash, and that you should strive to have no credit score at all. While it’s great if you can buy everything outright and