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Improve Credit

  • 8 credit checks for maintaining and maximizing financial health
    Published: Apr 15, 2014

    Protect and maintain a strong credit record and maximize the benefits and rewards of your credit cards with this eight-step credit checklist. Check credit score Check in on your credit score a few times a year and not just before you make a big purchase like a home or car. "Check your credit scores at least annually -- ...

  • 5 ways to pay your credit card bill on time
    Published: Jan 14, 2014

    Is one of your goals for 2014 getting your finances in order and increasing your credit score? Regardless of your financial circumstances, you should make promptly paying your bills -- including utilities, student loans, credit cards and mortgages -- a priority each month. Since payment history makes up 35 percent of your FICO score, even ...

  • What do millennials need to know about credit?
    Published: Jan 7, 2014

    Millennials are struggling with debt management when compared to other generations, according to a recent study by Experian. Understanding findings from Experian's fourth annual State of Credit study can help millennials -- adults ages 19 to 29 -- make smart credit choices. Millennials have fewer credit cards Millennials have just 1.57 credit cards, the lowest of all generations ...

  • 5 credit resolutions for a financially strong year
    Published: Jan 1, 2014

    You most likely made a New Year's Resolution to eat healthier or get more exercise. Or perhaps you want to organize all of your closets or take up a new hobby. But did you make any financial resolutions for the coming year? Managing your personal finances, credit report and credit cards are essential for prosperity ...

  • Should I decrease my credit limit?
    Published: Dec 11, 2013

    It's a truism: credit scores are important. Have a bad one, and it can make your life miserable, increasing the amount you have to pay for mortgages and other loans, excluding you from great financial deals, including the best credit cards, and affecting a whole range of other essentials from your car insurance rates to ...

  • Public records and your credit report
    Published: Aug 8, 2013

    Public record. Sounds scary, doesn't it? To me it brings to mind the "permanent record" my teachers used to hold over my head in school when I'd done something wrong. And while public records aren't permanent, when they appear on your credit report, they are also an indication that something has gone wrong. What's a public ...

  • Identity theft: 8 steps to help save your financial life
    Published: Aug 7, 2013

    When an identity thief strikes, you'll need to act fast to save your good name. This is real life, your life -- not an identity theft caper in a Hollywood movie with an A-list star having a grand time with someone else's name and money. An identity thief can disrupt your life in so many ways, running ...

  • When should you close a credit card account?
    Published: Aug 7, 2013

    If you're like most people, you've probably got quite a few credit cards in your wallet. Maybe you signed up for a few store cards in order to take advantage of a promotion. After that, you might have added a few rewards credit cards into the mix. Before you knew it, your wallet was exploding ...

  • How to correct mistakes on your credit report
    Published: May 16, 2013

    Credit reports are almost as much a part of your official identity as fingerprints or your Social Security number. They represent a summary of your financial history. Besides impacting whether you can get credit and how much you will pay for it, credit reports can also affect your ability to rent an apartment or obtain ...

  • 5 quick ways to improve your credit score
    Published: May 14, 2013

    Everyone wants to save money. And raising your credit score can save you significant money over the long haul in interest on credit cards, car loans, your mortgage and even possibly lower your insurance rates. Additionally, people with high credit scores are often approved for loans and credit cards quickly and with less hassle. Many ...