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Your Credit Card Company is Playing Evil Tricks on You
Some lenders do not report your actual credit limits to the credit reporting agencies...this will wreak havoc on your FICO credit scores. The real kicker is...they are doing it on purpose!
When Should You Raise Your Credit Card Limits?
You know that one of the fastest ways to increase your credit scores is to simply increase the credit limits on your credit cards. But how and when do you ask for credit limit increases? There's a right way to do it and a wrong way.
What to Do When Your Credit Card Interest Rate Increases
If your credit card lender does conduct a universal review on you and you're negatively affected by their decision—here's what to do.
What to Do if You're Listed in ChexSystems
Banks and credit unions use Chexsystems when people apply to open a checking account. It's essentially a consumer reporting agency designed to check if people have a history of writing bad checks. Here's how to beat them at their own game.
Warning! Revolving Accounts May Be Lowering Your Credit Scores
There are a couple of important differences between a HELOC and a HEIL. Once you understand the differences you can strategize on what's best for your credit and financial situation.
To Co-sign or Not to Co-sign...That Is the Question
There are right ways to recover from bankruptcy (or just rebuild bad credit) properly and quickly. But having a co-signer only delays your recovery and sets you up for complications along the way.
The Best Way to Improve Credit Scores
Your negative reason codes are the keys to unlock credit doors that up until now have been slammed in your face.
Should a Man's FICO Credit Score Always Be Higher Than A Woman's?
It's almost as if husbands are competing against their wives to see who has the better FICO scores. However, you can't let pride get in the way of your financial goals.
Renting an Apartment After Bankruptcy
Tips and advice for bankrupt people that need to rent an apartment.
Is it Better to Buy or Lease a Car After Bankruptcy?
Evaluate your options and incentives. Remember, you are buying the financing.
How to Remove Unauthorized Credit Inquiries From Your Credit Reports
Some inquiries lower your credit scores and some don't, so it's important to recognize the difference between the two. Credit inquiries may lower your credit scores, so you should have a game plan to remove them if they are unauthorized..
How to Legally Get Up to 30 Extra Days to Pay Your Credit Card Bills
This little trick I'm about to reveal to you never even occurred to me until I switched to using my American Express (AMEX) card as my primary spending card.
How to Increase Your Credit Scores with One Short Phone Call
One of the quickest ways to increase your credit scores is to increase your credit card limits. By increasing your credit limits you've just reduced your balance-to-limit ratio, which is a component of your FICO credit score.
How Long Does it Take to Recover from Personal Bankruptcy
The more time you have after your bankruptcy is discharged the more opportunities you'll have to get credit.
Close a Credit Card Account...Kill Your Credit Score
The lady I spoke with at Amex was a complete idiot...and clearly working in the wrong department. I thought I was talking to a person in customer service...she obviously worked for the sales prevention unit. It felt empowering when I told her to, “close the account.”
Can a Personal Bankruptcy Prevent You From Getting a Job?
For quite some time, it's been standard for financial, gaming and government employees to have their credit reports checked by their employers.
Attention Shoppers - Retail Stores Are Destroying Our Credit Scores
Think twice before you accept an offer to open a credit card at a retail store. The 20% off your first purchase isn't worth the hundreds or thousands of dollars it will cost you in the long run.
Are You Paying More for Insurance Because of Your Credit Score?
Insurance companies often use credit-based, "insurance scores," to determine if you are eligible for auto or homeowner's insurance, and how much you'll pay.
Advice for Couples Headed for Divorce After Bankruptcy
Staying married is tough. But staying together after a bankruptcy is really tough. Not only do you have your personal issues to work through, but you're constantly getting conflicting financial advice that can put you deeper in the hole.
A Secret Credit Score Your Car Dealer Won't Tell You About
The car dealers may use what is known as the FICO Auto Industry Option score instead of a traditional FICO credit score to detrmine the interest rate you will pay for financing. The difference can mean thousands in interest payments.
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