While applying for credit cards does typically ding your score, it’s not as bad as some people think. In fact, applying for credit cards (to take advantage of large signup bonuses) can actually have a positive effect on your credit score, when done correctly; trust me, I have the numbers to prove it. There’s a balance to be had between …
What to do if you don’t have a credit score
No credit score? Make sure you’re following these steps.
Where to get your Free Credit Score
You know how to get your free credit report. Now, where do you go to get a free credit score? By free, I mean that in the course of registering you are not required, at any point, to input credit card information. I’ve compiled a list of sites that I’ve personally used to get my free credit score. This is by …
How to (actually) get a free credit report from Equifax/Experian/TransUnion
If you’ve navigated to any of the three bureaus in an attempt to receive your federally mandated yearly credit report, the homepage of each site typically advertises a great deal on seeing your credit report/score. The problem is, these cost money, which is a whole lot more than free. So where’s the free report?
A Beginner’s Guide to Credit Scores
A credit score is defined as a “number assigned to a person that indicates to lenders their capacity to repay a loan”. Basically, it’s a magical three-digit number that tells banks whether or not they should lend you money. This post is motivated by a recent article I read on the difficulties and reservation of our generation getting credit cards. It baffles …