Holiday Credit Tips For The Points And Miles Enthusiast

In this post, I will give holiday credit tips for the points and miles enthusiast.  Some of this is just common sense while other things may change the way you think about holiday shopping.  After the holiday season is over, you should be able to look at your spending and enjoy the rewards, but NOT the payments.

Continue reading Holiday Credit Tips For The Points And Miles Enthusiast

American Express Blue Cash Everyday $500 Welcome Bonus

American Express yesterday announced their highest sign up bonus ever for the no annual fee AMEX Blue Cash Everyday personal credit card from now until Nov 2nd, 2015. The $500 statement credit offer is one of the most generous available offers from any issuer for a no annual fee cash back credit card. Continue reading American Express Blue Cash Everyday $500 Welcome Bonus

I Opened All Of These Credit Cards Without Damaging My Credit!

Note: This article contains an affiliate link.  I make money when you use my links.  You are not required to use them, but I appreciate it when you do.

“I opened all of these credit cards without damaging my credit!”  I’ve seen this phrase posted on numerous travel blogs by the authors, and also in the comments by the users.  The problem is, neither group of people usually understand how credit actually works beyond a basic level. Continue reading I Opened All Of These Credit Cards Without Damaging My Credit!

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How To Get Free FICO Scores

Note: This article contains an affiliate link.  I make money when you use my links.  You are not required to use them, but I appreciate it when you do.

I can not stress enough the importance of knowing what your credit scores are when applying for credit, and when I say credit scores, I mean FICO scores.  The reality is that creditors almost exclusively use FICO scores to make decisions, not other scores that you will find from places like Credit Sesame, Credit Karma and Credit.com.  In addition to buying FICO scores from MyFico.com or using a service like Credit Check Total, there are many ways you can get free FICO scores and save yourself some money. Continue reading How To Get Free FICO Scores

Building Solid Long Term Credit

Note: This article contains an affiliate link.  I make money when you use my links.  You are not required to use them, but I appreciate it when you do.

This post will teach you how to build a solid long term credit profile that will allow you to open and close credit cards for signup bonuses without damaging you credit.

As mentioned in my previous post, How You Can Improve Your FICO® Scores in a Month, here is the breakdown of the categories that FICO uses to calculate your credit scores:

FICO Scores chart

I am going to focus on the “Length of Credit History” portion of the credit score.  Continue reading Building Solid Long Term Credit

How You Can Improve Your FICO® Scores in a Month!

Note: This article contains an affiliate link.  I make money when you use my links.  You are not required to use them, but I appreciate it when you do.

Would you like to improve your credit scores in a month?  According to myFICO.com, these are the factors that go into calculating your FICO® scores:

FICO Scores chart

Most of these factors can not be changed quickly.  Continue reading How You Can Improve Your FICO® Scores in a Month!

Before You Start Applying for Credit Cards, Check Your Credit!

Note: This article contains an affiliate link.  I make money when you use my links.  You are not required to use them, but I appreciate it when you do.

While credit cards are a great source of rewards, before you even consider applying for a credit card you should check your credit reports and scores.

Credit ScoreThere are a lot of third-party companies out there selling (or giving away for free) credit reports and credit scores.  These can often be incomplete and inaccurate, so you want to make sure you are checking the real thing.

Continue reading Before You Start Applying for Credit Cards, Check Your Credit!

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