Debt reducing

Should I Use One of Those Credit Builder Cards to Boost My Score?

Should I Use One of Those Credit Builder Cards to Boost My Score? There are many ways to build on one’s credit score. Whether it is piggybacking on some other person’s card as an authorised user or something as simple as making your payments on time. The number of ways you can get your credit […]

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Credit card fraud

What is Credit Card Fraud?

If there has ever been a persistent problem in the credit card industry, it would be credit card fraud. It has always been an escalation when it comes to fraud as scammers are getting smarter in breaking through layers of protection set up against them while companies are coming up with more complex methods of […]

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Freedom

How Can I Pay Off My Credit Cards Quickly And Get a Better Credit Score?

More often than not, it’s your behavior as the credit holder that determines the score you get in every credit report. That being said, the way you manage your debts accrued in each of your credit cards will play a huge role in calculating your credit score. In short, promptly paying your debts is a […]

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Smart toddler learning basics

What is a Credit Score?

So far, we’ve been talking about how to improve on credit scores, what to do keep them at a high, and what not to do in order to hurt it. We’ve also been talking about how a credit score can influence many of your transactions, even those activities that do not necessarily revolve around credit. […]

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Steps to sucess

Can I Increase My Credit Score?

Whether you agree to the notion or not, there is no denying that your credit score will determine the success of many of your financial transactions. Think of it like your reputation of sorts; only in digital form. It will precede you in every activity you take and can even dictate whether or not lenders […]

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Empty wallet

Does Reporting My Credit Card as Lost or Stolen Impact My Credit Score?

There is no sensation out there that sucks more for a credit card holder than realising that their card is missing. It may be because of forgetfulness on your part or somebody else actually took it from you without you noticing, the fact remains that your credit card is not where it should be: on […]

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Long road to success

What are the Best Ways to Build Up My Credit Score?

Your credit score is the sole thing that you can rely on when it comes to making sure that whatever loan or credit you apply for pushes through. Here’s the problem, though: it’s tricky to build up. It’s a bit like losing weight, really. It’s a long process that may require you to do trial-and-error […]

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Credit card cut

Does Canceling My Credit Card Affect My Credit Score?

Managing your finances often involves making hard decisions with long-standing repercussions. One of these decisions would involve calling your credit company and closing your credit card account for good. But, of course, closing a credit card is not as simple as it seems. You might wonder if the act would have an effect on your […]

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Multiple searches

Do Many Searches Hurt My Score?

Your credit score is there to give lenders an idea what risks they are taking when doing any kind of transaction with you. It’s not just lenders who would want to know your score. Even other people like potential employers, landlords, and debt collection agencies would want to know of your current financial performance. But […]

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Man behind sad face

There is an Error on My Report

Picture this scenario: You received your most recent credit report from your credit reference agency and get the feeling that something is off. Whether the ending figure is way too low or too high, the point is that the credit score as reported does not truly reflect your spending for the last few months. If […]

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