If you’re new to the world of credit, then you probably know it isn’t easy to establish good credit. Getting lenders to trust you can be a challenge as they want proof that you’re trustworthy. It’s really a catch-22 because how can you prove that you’re trustworthy if you’ve never...
Author Archives: Financial Pros
Ways To Be A Successful Credit Card Owner – Part 2
In Part 1 on how to be a successful credit card owner, we covered the importance of using credit cards like cash and making automatic payments. Now, let’s check out two more great ways to ensure that you are a successful credit card owner. These are not only just great...
2 Sure Fire Ways To Be A Successful Credit Card Owner – Part 1
When people get credit cards, they usually have the best intentions in mind. They plan on being responsible and trustworthy, but a few small missteps can lead them on a downhill spiral. In order to help you be a successful credit card owner, here are two tips that you can...
Great Perks That Come With Being A Responsible Credit Card Owner
Are you ready to own a credit card? Owning one requires great responsibility and if handled right it will provide you with awesome perks. So, no matter if this is your first time, or if you’re easing your foot back into the credit card waters you’ll be glad to enjoy...
Here’s What You Need To Know About Your Credit Score Before Applying For A Job
Who knew that getting hired for a new position could all come down to your credit history? It’s true. In several states, it’s perfectly legal for employers to pull your credit history during the hiring process. In their opinion, it determines your level of trustworthiness for the position they’d possibly...
How Employers Can Use Your Credit History During the Hiring Process
In the US, many employers have the right to look over your credit report before hiring you. Some say it’s justified for “trust” purposes. Others say it’s unfair to minorities or to those who are low income. The good news is there are some states where employers are prohibited from...
5 Different Companies To Pull Your Credit Score From
It’s important to know that there are different places to pull your credit score from. It’s up to the lender which one they use, but the one most largely used is the FICO score. Keep note that different places offer credit scores. This is important when you’re pulling your credit...
Everyday Things in Your Life That Your Credit Score Can Affect
It’s pretty common knowledge that your credit score will affect your ability to get a loan, but there are some everyday living factors that your credit score can affect too. For instance: Insurance rates: Believe it or not, the amount of insurance you pay can be directly tied to your...
Why You Should Begin Maintaining a Good Credit Score
If you’ve let your credit score hit the dumps, there are some areas in your life that it may affect. Most people already know that poor credit makes it tougher to get an installment loan or mortgage. But, there are other issues that can come up too, for instance getting...
Benefits of Keeping a Clean Credit History
Keeping a clean credit history makes life a whole lot easier. Whether you’re trying to get a car, apartment, job or loan sooner or later someone will use your credit history to judge you. But let’s focus on how your credit score can affect your ability to get a loan....