The first thing you should definitely do is to get a your credit report from the three bureaus.  Federal law dictates that you are offered a free credit report once a year.  If you already know your FICO score, then a free annual credit report will suffice.  However, if you want to know your exact [...]

As far as credit cards for bad credit goes, this credit card isn't too shabby.  The interest rate ranges anywhere from 17.90-23.90%, depending on the prime rate.  This card features a 1% gas rewards, automatic credit line increase reviews, and free online credit score tracking.  Like many of the other credit cards in the same [...]

Credit cards, when used with care, can yield amazing benefits. One of the main benefits are the travel perks.  If you have good credit, there are many credit cards out there that are willing to give you free flights and hotel stays if you sign up with them.  There is a small community of people [...]

If you are in debt that is over your head, there may be some debt relief options for you.  Debt consolidation loans can be a great way to lower your interest rate and also lower the monthly payments on your debt obligations.  Sometimes it can be your savior and the best way for you to [...]

Your credit is extremely important to your financial prosperity.  It enables you to used leveraged money to buy a house, get a credit card, or buy a car.  So it is extremely important that you check your credit report often to see where you stand and if there are any discrepancies in the credit reports.  [...]

Writing a credit report dispute letter to the bureaus (Equifax, Experian, and Transunion) is an extremely effective technique for clearing past due items, charge-offs, and collections from your credit report---and consequently raise your FICO score.  The Fair Credit Reporting Act (FCRA) gives consumers the right to verify their credit report.  Only write to credit bureaus when [...]

A lot of people use a credit card and think that the only perk to having one is that you can pay for things you buy later.  However, that is definitely not the only advantage to having a credit card.  In fact, besides all the rewards cards, there are also a lot of perks that [...]