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Managing Credit

Top Tips to Consider When Asking Someone to Be Your Guarantor

There are various reasons for taking out a loan but if you?ve got a bad credit rating or can?t prove you?ll be able to make repayments then actually getting one in your name can be almost impossible. That?s where guarantor loans come in handy. Much...

5 Ways to Manage Your Credit

Reputation is very important -- whether in your personal life, at work, or where your finances are concerned. Your credit score is your "financial reputation". The better your credit score, the more likely you are to get low-interest rates, loan packages, and higher credit card...

Will I Go into Debt If I Have a Credit Card?

The answer to this question is a tricky one, and honestly you could.? I did, but with discipline it actually can be a rewarding card that actually makes you financially responsible if you use one.? Let?s back up a second when I said I...

This Christmas, More Of Us Want Meaningful Things And Not More Stuff And That?s A Good Thing

Christmas is almost here and as usual, the festive frenzy is hitting fever pitch with each passing day. The economy has been tough on retailers this year, but it hasn?t stopped them from rolling out their annual high budget advertising campaigns . Turn on...

The Crazy Credit Catch-22

Remember Catch-22 and that ?damned if you do, damned if you don't? mentality? Well that is exactly how credit works these days. If you are responsible, pay off all your debts on time and live a relatively debt-free, all cash life, you can be penalized...

Credit Score Tips Directly From FICO

Along with the expected tips, such as paying your payments on time, getting current on any past due payments and then keeping them current, there are also some other tips on increasing your credit score that you can find at the myfico.com website at...

Demystifying Four Credit Myths

There are many myths when it comes to your credit score and credit report. These myths will probably always float around in space somewhere, but if you are reading today's post and read my blog, then hopefully we can demystify these credit score and...

Should You Dispute Bad Credit?

As young adults, we are taught many things. But one lesson most of us are not taught is something that will ultimately affect our entire lives. Unless we learn the importance of earning and maintaining a good credit score, life can end up really hard....