There are times when a bank can decide to lower your credit limit. Either because your credit score suddenly dropped or because you do not use the...
How Long Does It Take To Build Credit?
I get asked this question a lot: “How long does it take to build credit?” The short answer is that building credit takes a lifetime “but no you do...
Moving Homes? Things To Remember Regarding Your Credit
When you move to a new house, it often entails transformation. Depending on the proximity to your old location, the changes can be minor to major....
Which Capital One Cards Report To Your Personal Credit And Why It Makes A Difference
I’ve been getting feedback from many readers who are confused about which Capital One business credit cards report to their personal credit...
Credit Limit Increase -Which Banks Still Do A Hard Pull
We recently reported that Chase stopped doing a hard pull on your credit report when requesting a credit limit increase. Hard pulls affect your...
Why Are My Credit Scores Different On Different Websites I Check?
When people check their credit score, should it be by Credit Karma or on their Discover statement, etc., they look at the three-digit number. They...
Understand The Correct Order In Which To Pay Up Your Credit Card Balances
There is a famous joke about a guy who won the lottery. When asked what he would do with the money, he said he would use the money to pay off his...
What’s The Minimum Age You Can Add Your Kid As An Authorized User? [Bank By Bank]
Adding your kids as an authorized user to your credit cards can help them jumpstart their credit. It’s also a great way to start teaching your...
Free Annual Credit Report- The Good And Bad
The FCRA (Fair Credit Reporting Act) instructs all three credit bureaus that they must provide to every American consumer the right to receive a...