Category: Credit

How to Protect Your Credit Score As If Your Life Depended On It Modest Money1 Comment

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First of all, the title of this post is not hyperbolic. Your life does depend on it. In the U.S., it is all but impossible to live over the level of poverty without having some form of credit extended to you. Feel free to waste time trying to prove me wrong. Even if you succeed, you will quickly realize that the life you lead without any form of credit is not going to be an easy one.

Part of the problem is that people fail to realize just how much credit they actually have. Even if you don’t have a traditional, unsecured credit card, the debit card from your bank is a type of credit. You can overdraw your account. Your bank will let you do that in a pinch. That is credit they are offering you for that particular situation. You can do the same with a check, though retailers are making that a bit more difficult.

When you go to the hospital and tell them to bill you, you are taking on credit. When you buy a smartphone on a two-year contract, that’s credit. When you sign up for satellite TV, that usually comes with a two year agreement….

This entry was posted in Credit, Financial Advice, and tagged Modest Money1 Comment
By : Adam | 16 Mar 2015
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Why I Love Dave Ramsey, But I Still Love Credit Cards

By : Adam | 12 Mar 2015

There ​I was. 18 years old. ​And I didn’t have a clue ​. ​ I didn’t realize that some people were actually debt-free. I thought a car payment was just another bill. I mean, everyone has a car payment, right? I thought credit cards were …

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TransUnion’s Credit Lock App – Credit Identity Security When it Matters Most

By : Adam | 18 Feb 2015

If you are not prepared for identity theft, you are making yourself a target. It’s as simple as that. But even the most prepared consumers are not completely secure. Identity theft has a cascading effect. Once a thief has a single account password, it’ll be …

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Got Denied for Credit? Do These Things to Quickly Boost Your Credit Score and Get Approved

By : Adam | 4 Feb 2015

In 5 Reasons to Avoid a Low Credit Score you learn about why having a high credit score is so important.  One of the most important reasons to keep up with your credit score is so that you can apply for credit and get loans …

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USAA Secured Platinum Credit Cards Review

By : Adam | 12 Dec 2014

The USAA is one of the largest financial service providers around. They’ve been in business since the early 1920’s and have a reputation for excellent, ethical customer service. You may be interested in these cards (both the MasterCard and American Express versions) because you are …

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Credit One Bank® Platinum Visa Card Review

By : Adam | 24 Oct 2014

This Credit One Bank® Platinum Card is a card that can be useful, but should be handled with extreme caution. Do I have your attention? Let’s proceed. First of all, this is a card focused on folks with miserable credit. The card is marketed as …

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Barnes and Noble MasterCard® Review

By : Adam | 12 Sep 2014

As one of the world’s biggest book retailers, Barnes and Noble stand to offer a lot to their millions of customers with a Barnes and Noble credit card. Barnes and Noble clearly understands their customers. This Barnes and Noble Mastercard proves itself to be one …

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