Credit Cards That Help Build Credit

credit cards that help build credit

Many people struggle with credit, but this is fairly normal in this day and age, especially when you consider the economic issues of today, as well as the lack of financial education available to children and teenagers. With these things considered, there are still ways to build or fix your credit with credit cards. There […]

6 Sites to Get Your Credit Report For Free

sites to check credit

Checking your credit report or your credit score doesn’t have to cost you money. There are quite a few free resources that exist to help you check your credit, and most even allow you to monitor your credit for free! What’s the catch? There is no catch. These websites, except for AnnualCreditReport.com, which is free due […]

How to Add Tradelines

add tradelines to credit file

What Are Tradelines Tradelines are important for establishing credit, as “tradelines” are simply accounts that appear on your credit profile. For example, if you have a credit card with, say, Discover Card, then you have an existing tradeline with that company (Discover). The more positive tradelines you have on your credit report, the better. But the fact is, […]

Raise Your Credit Score in 90 Days

How to Raise Your Credit Score 100 Points in 90 Days Note: this article does not guarantee you will be able to boost your credit score by 100 points in 90 days, but it will give you a good idea of what is possible if you take your time to clean up your credit report […]

Method of Verification Letter Example

I recently wrote an article about method of verification and even mentioned the subject in my article on how to fix your credit, but I decided to not create a sample letter to include in that article, as I believe it needs its own. So in this article I will do my best to provide you with […]

What is a Soft Inquiry?

Question What is a soft inquiry and how does it affect my credit? Answer Inquiries occur anytime a company decides to do a credit check, or “pulls your credit report”.  These credit checks can involve hard pulls or soft pulls, also known as hard inquiries or soft inquiries. Soft inquiries (“soft pulls”) are caused by […]

What is a Hard Inquiry?

Question What is a hard inquiry? Does it hurt my credit score? Answer There are 2 types of Inquiries that you may see on your Credit Report. One type of inquiry is called a hard inquiry and the other is a soft inquiry. A hard inquiry is a credit check that is made by a […]

Understanding Your Credit Report

So you've pulled your credit report, but you aren't exactly sure what you're reading. Don't worry, that's pretty common. Most people tend to see the accounts and get a gist of what's listed, but that's about it. So what are you reading and how do you clean this mess up? These days it's hard to [...]

How to Repair Your Credit in 3 Easy Steps

There's not a lot of secrets when it comes to repairing your credit, although many people would like to have you believe there is. Luckily for you, this article will explain all you need to know, as well as linked pages to really dig in - in case you decide you want to learn even [...]