Category: Credit Help and Tips

Credit Q&A: “How many credit inquiries is too many?” Though most credit score questions are hard to nail down, thanks in part to the cryptic nature of credit scoring, we can get some useful hints if we look at certain data. Do the Credit Inquiries Matter? First things first, there are two types of credit… Continue reading How Many Credit Inquiries Is Too Many?

Below is my Credit Karma review, which is my personal experience with the company’s credit scoring tools. So I decided to give Credit Karma a whirl, considering they proclaim to be the providers of absolutely free credit scores and credit reports without the need for a credit card. They even highlight that fact in their… Continue reading Credit Karma Review: Not a Scam and Pretty Accurate Too!

Credit card Q&A: “How many credit cards should I have?” Credit cards can be useful tools to manage debt and earn rewards for everyday purchases, but they can also cause problems if you’re not responsible. Aside from landing yourself in serious credit card debt, too many credit cards can drag down your credit score, though… Continue reading How Many Credit Cards Should I Have?

Credit score Q&A: “Does my spouse’s credit affect mine?” So you’ve got excellent credit, but your spouse’s credit isn’t so hot. Does this mean your spouse’s bad credit history will affect your pristine past? Not exactly. Just because you’re married or living together doesn’t mean your credit history is commingled, which may or may not… Continue reading Does My Spouse’s Credit Affect Mine?

In a few weeks, it will be a lot more difficult to get a credit card if you’re under the age of 21, at least, that’s the plan. The Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 (Credit Card Bill of Rights) will go into effect on February 22nd, and bring with it… Continue reading Getting a Credit Card If You’re Under 21

I like American Express a lot, I don’t hide that fact. Their customer service is stellar, it’s easy to dispute fraudulent/bogus charges, and the rewards tend to be the best in the industry. Their credit cards also look really cool, and who doesn’t like to look cool? At the same time, a number of American… Continue reading American Express Cards with No Annual Fee

Credit Q&A: “What credit score do you need to rent an apartment?” Like all things credit, nothing is written in stone here, but obviously the higher the credit score the better (what is a good credit score?). Apartment shoppers should realize that not all landlords pull credit, but not bank on it. And even if… Continue reading What Credit Score Do You Need a Rent an Apartment?

More fundamental credit Q&A: “What credit score do you need to buy a car?” When it comes to buying or leasing a car, good credit is often a necessity, as most of us can’t just mosey down to the car dealership and buy a car outright. But there isn’t a specific credit score that you… Continue reading What Credit Score Do You Need to Buy a Car?

Here’s a bit of a subjective question: “What credit card has the best rewards?” The answer to this question is easy. Drum roll please… The best credit card available is…the one that provides you with the most benefits. That’s it. We’re done. See you later. You can stop reading this now. Okay, I’m being dramatic,… Continue reading What Credit Card Has the Best Rewards?

And now the age old question. “Which credit card to pay off first?” Pay the Credit Card with the Highest APR First Well, the short and obvious answer would be to pay the credit card with the highest interest rate (APR). After all, your credit card with 21.99% APR is costing you more than your… Continue reading Which Credit Card to Pay Off First?