Getting a small business credit card can be useful because it will make it much easier for you to separate your business expenses from your personal expenses. Before you even start to look at cards, you should determine what you need. Continue reading →

The date of first delinquency dictates when negative credit information must be removed from your credit reports. This can make reading credit reports difficult, since credit accounts specify the date of last activity instead of the date of first delinquency. Continue reading →

Until a few years ago, telling the difference between a debit card and a credit card was fairly easy. A debit card was used at an ATM machine to withdraw or deposit cash with a PIN number and the credit card was used at check-out to buy things. Now the differences aren’t too obvious. Both carry the same logos and both can be swiped to make purchases. Despite these similarities there are clear differences. Continue reading →

At long last, you say, I paid that stupid card off! I’m going to snip it up into tiny bits, stomp them into a mush, and dash it all into a pit! Hang on and listen to this: if you bash your credit cards, you might be bashing your credit score too. Continue reading →

To an extent, your credit score is as important as your education. If you have graduated from high school and have earned a degree at a prestigious college, you may look like a good candidate for a good job with high salary, health care benefits, and the lot. In comparison, if you have a good credit score, you may look like a good candidate to receive a large loan. Continue reading →

Don’t be caught unaware of a potential threat to your identity! When requesting an annual credit report, open your browser and TYPE in: https://www.annualcreditreport.com. In this way you can make sure you are not logging into any other sites that are attempting to steal your identity. Do not follow a link to get to this website, because it may lead you to a false site! There are many scammers who try to steal people’s identity by advertising false websites purporting to give you your credit report. www.annualcreditreport.com, however, is an excellent one. If you regularly request and review your credit report, you can make sure that no one has gotten your bank card or credit card number and is using it illegally. You will never receive an email directly from the Annual Credit Report Request Service. If you receive one, you’ll know it is not from the official site, so do not answer it. Continue reading →