Archive for: Credit & Debt

What Credit Score Do You Need To Get Approved For A Credit Card?

What credit score do you need to get approved for a credit card?

Being declined for a new credit card is frustrating. Improve your chances of approval by applying to cards that are suited to your credit score. Here we break down what credit scores are needed to get popular credit cards today.

Why Is My Credit Score Different Depending Where I Look?

Which credit score - MoneyUnder30

When it comes to credit scores, there’s a lot going on behind the scenes. What you see on Credit Karma or your credit card statement probably isn’t the same thing a lender will look at when they pull your credit report. Here’s why — and what you can do about it.

For The Best Auto Loans Rates, 5 Reasons To Consider A Credit Union

Car loans at credit unions - MoneyUnder30

Credit unions often offer the best auto loan rates. Why you might want to stop by a local credit union before buying your next car.

Best Credit Cards For Young Adults


Of the hundreds of credit cards out there, only a select few are worth having in your wallet—if you can qualify. Here are our picks for the best credit cards for young adults, taking into account young people’s often limited credit histories, which may make it more difficult for them to get approved.

When Good Credit Isn’t Enough: Why You Could Be Denied A Credit Card Despite Your Excellent Score

Why was your credit card application declined? The top reasons you weren't approved.

Responsible people with excellent credit scores are often shocked after applying for a new credit card … and getting rejected. It’s more common than you think, so it pays to learn why a good credit score may not be enough.

How To Get An Apartment When You Don’t Have A Credit History

How To Get An Apartment When You Don't Have A Credit History

Getting an apartment when you don’t have a credit history can be tricky. But remember: No credit isn’t the same as bad credit. Here are some ideas for convincing your new landlord that you are worth the risk.

Is Debt Settlement Ever Worth It?

Is Debt Settlement Ever Worth It

Why debt settlement isn’t worth it. Companies that promise to end your debt problem for pennies on the dollar can cause more problems than they solve.

Debt-to-Income Ratio: The Little Number Your Bank Cares About (And You Should Too)

What Does Your Debt-to-Income Ratio Have to Do with Your Credit

When shopping for a mortgage, one of the things that lenders will look at is your debt-to-income ratio. If this ratio is too high, it may keep you from getting approved. Don’t take any chances — know your debt-to-income and take steps to keep it at a healthy level.

Auto Financing For Smart People: Tips For Saving On Your Car Loan

How to finance a car the smart way; auto financing tips.

Save money on auto financing by knowing your credit score and leveraging competing loan offers at the dealership. Put money down, keep the term as short as you can afford, and — of course — don’t buy more car than you can afford.

Behind On Bills? How To Catch Up

When Debt Payments Fall Behind, Take These Steps To Catch Up

It happens to the best of us: life gets crazy and you fall behind on bills. You don’t have to be a victim to your creditors. Here’s how to catch up to save your credit score (and your dollars).