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  • Archive for May, 2014

    Thin Credit Histories

    Monday, May 26th, 2014

    A huge portion of the population has either no credit history or a very small one.  College students, recent immigrants, or spouses without anything in their name are common groups with so-called thin histories.  The reporting bureaus have files on more than 200 million Americans.  There are 22 million adults without a file and 30 […]

    Credit Cards With No Reported Limit

    Monday, May 19th, 2014

    A credit card without a limit?  Wow, that sounds great!  Unlimited buying power and the potential to make all my dreams come true!  Well, it’s not that good.  Every credit card provider that offers a limitless card, more technically a “no preset spending limit” card, reserves the right to reject any charge that they perceive […]

    Think You’ve Done All You Can to Improve Your Credit Score? … Think Again.

    Thursday, May 8th, 2014

    Payment history is the largest portion (35%) of an individual’s FICO score.  As you might expect, managing credit responsibly, over time, is a key contributor to a strong credit score.  A credit hiccup can haunt you for years to come. What many do not know is the second largest portion (30%) is utilization or debt-to-credit […]

    Cash vs Credit

    Monday, May 5th, 2014

    Hollywood today gives us at least one epic showdown in every film, but there is one showdown with more drama and more importance in your daily life than all of Hollywood’s finest combined: Cash versus Credit.  Let’s break it down. Where’s the Money? It is easier to keep track of where you money goes with […]