Today is an exciting day for me. After almost 10 years of blogging about my credit improvement journey, I have finally achieved what I believe is a nearly perfect FICO credit score: 836. My credit repair journey started when I had a credit score in the 530’s.
Despite what you may have read on the internet, unsecured credit cards are going to require an approval process. In other words, there is no guarantee that you’ll get approved for an unsecured credit card. However, almost everybody gets approved for secured credit cards. The reason why
Removing a chapter 7 bankruptcy from your credit report can be a very difficult process (as you can imagine), but it is possible to do if you follow the steps I’ve outlined in this article. Please keep in mind that this may or may not work. Your
I am honored to host Carnival of Money Pros for the first time. There are some stellar articles this week from some of the best personal finance bloggers out there. Kayla @ Shoeaholic No More writes Holiday Parties and What’s Going On? – Holiday events are in
One of the most challenging loans to get approved for is a mortgage loan. It’s very important that your credit score is in a good place because it will affect the mortgage rate for which you qualify. A high mortgage rate can literally cost you hundreds of
If you’re coming out of bankruptcy, foreclosure or simply don’t have a very good credit score, there are plenty of things that you can do in order to boost your score. Some are pretty intuitive while others may not come to mind right away. Below, however, are
Some people think that credit monitoring services are only necessary for those with particularly troubled credit history, but that’s not the case at all. In fact, it’s just as important to use a credit monitoring service in order to maintain a pristine credit rating as it is
If you are struggling to make your credit card payments or to pay off other debts, it may be time to start negotiating with creditors in order to avoid bankruptcy proceedings. You need to be prepared though, as they are used to people requesting some sort of
As part of my secured credit card review series, today I’ll be reviewing the Progress Platinum Elite MasterCard Secured Credit Card. One of the reasons I review secured credit cards is because getting a secured credit card is an integral part of how I teach credit repair.
One of the main reasons that people worry about their credit scores comes down to their ability to get a mortgage loan when it is time to buy a house. Obviously, that’s a major life milestone that people don’t want to see pushed back, so they want