If you have a 500 credit score, your financial life is probably somewhat difficult. I personally know exactly what that’s like. You can’t buy a cell phone or satelite dish, let alone a nice vehicle or home. It’s embarrassing and it’s worth doing whatever it takes to improve the situation. I personally was able [...]

A new business has a lot of expenses, sometimes urgent. When the loan money is depleted many business owners are forced to use personal credit cards or checking accounts. This, however, isn’t great for the company’s credit history. A company needs credit history to gain better the best business credit card offers. Business credit cards [...]

Sometimes I feel as though my body is hardwired to accept any and all credit card offers I find in the mail (or in magazines, newspapers, online etc). It’s a dangerous habit that my husband has, quite frequently, railed against. When at one point I had over five cards, three of which were maxed, he [...]

About ten years ago, I started collecting credit cards like they were valuable stamps. It didn’t take long to get in over my head. With several credit cards at max balance and the minimum monthly payments it didn’t take long until I was behind on payments. At this point, like many other people, desperation clicks [...]

The population of the United States is around 300,000,000 people. Why is this important in the discussion of how to get a mortgage with bad credit? Bad credit is embarrassing! It helps to know that of the 300,000,000 people in the USA, 110,000,000 of them have suffered bad credit. Yes, that’s around one third [...]

Not long ago I posted an article on how to eliminate credit card debt. While eliminating credit card debt was my ultimate goal (because, well, I had more than five cards open (not including my husband’s), perhaps other people wish to only lower credit card debt. Lowering credit card debt is important, not only because [...]

Ever wonder why credit cards for people with a poor credit rating are so important? Bad credit is like a poor guest that arrives in your house, eats all your food, gives you a cold and then invites itself over the next day to start the cycle all over again. Once it infects you, it [...]

The best consumer credit cards are not always given to the people with the best credit. I know that’s shocking right? But it’s very true. Credit card companies look at the value of the consumer and their credit history to judge which offers they send out. Don’t get me wrong, good credit is absolutely vital, [...]