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How To Build Credit For The First Time

How to build your credit for the first time - Money Under 30

Wondering how to build credit from scratch (or worried because you haven’t started yet)? Here is what you need to know to build credit for the first time.

5 Hidden Credit Card Fees To Watch Out For

Credit card fees on a billing statement. via MoneyUnder30.com

Credit cards can provide easy access to loads of funds, but don’t forget they are designed by banks to get you to pay more than what you bargained for.

Build Credit by Paying Rent

Build credit by paying your rent: WilliamPaid and Rental Kharma.

No longer do you have to go into debt to get a credit score. Two new services give renters a means to build credit by paying rent — no credit card required.

New to Credit? Five Ways to Speed up Building a Good Credit Score

Flickr.CreditCardnotebook.LongLoneRun

Anyone whose tried to get a loan with a weak credit history knows that even an excellent credit score will only get you so far with lenders. That myth your uncle told you about signing up for a credit card, using it once, paying it off and letting your credit history soar is just that […]

Q&A: Can I Fix Old Unpaid Or Charged Off Accounts On My Credit Report?

Is it possible to fix old negative accounts on your credit score? Maybe.

Q. I recently checked my credit reports and learned that they were reporting an old credit card as unpaid. Years ago, this account was charged of and had gone into collections. I eventually paid it off. I disputed this information with the credit bureaus. Transunion updated this item to “closed and paid” but Experian informed […]

Good Credit Matters: How to Understand and Improve Your Credit Score

FICO 101: A really simple guide to your credit score.

A good credit history is a big part of financial independence; a good credit score makes it possible to get credit cards and buy a home, while a poor or missing credit history can make it difficult to rent an apartment, get insurance — or even get a job. Here’s what you need to know about building a great credit history and using it responsibly.

Do It Yourself Credit Repair: 6 Steps To Recover From Bad Credit

Don’t fall for scams promising easy, overnight credit repair. If you want to fix your poor credit, you can (and should) do it yourself. Follow these six simple steps to do-it-yourself credit repair.

Paying Off an Auto Loan Is Bad For Your Credit Score!?

Dave Ramsey tells people that FICO scores aren’t credit scores; they’re “I love debt” scores. Case in point: Last week, I paid off my auto loan. This week, my FICO score dropped 60 points. Sixty! There have been no other changes to my credit report. Needless to say, I’m pretty flabbergasted…and pissed off…that my score […]

Beware Free Credit Score Ads

Have you already noticed that all the annoying TV ads for FreeCreditReport.com are now for FreeCreditScore.com? That’s because as of April 2, the U.S. Federal Trade Commission (FTC) now requires companies claiming to offer free credit reports to include obvious disclaimers informing you that the only place to get a truly free credit report is […]

How To Calculate Your Monthly Payment

Math Formula

Have a student loan, home loan, or personal loan? Have you ever wondered exactly how your lender calculated your monthly payment on the day you accepted the money? Sure, there are interest calculators and other available resources online to help you figure out just how much you will be paying back at the end of […]