0% Balance Transfer Offer That I CAN Refuse
Dec31

0% Balance Transfer Offer That I CAN Refuse

Normally I encourage people to take up 0% balance transfer offers and I wish I would get more offers myself. However, I must warn you that just because it says 0% that does not mean it is always the best deal for you. I just got an offer for a 0% balance transfers from one of my better cards….but after reading it carefully I decided to refuse the offer. Here are the terms: * 0% until 04/09 * 4% balance transfer fee Now I will...

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Update on Credit Scores

As of April 29th my credit scores were as follows: Experian 739 Equifax 729 Transunion 748 These scores are all in the excellent range but they were not able to help me get a better rate on my car loan because I am currently upside down on the car loan. I noticed that I am listed on some credit cards that do not ‘belong’ to me in the strictest sense of the word. Honey added me as an authorized user on two of his credit...

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How I Save Money Gives Credit Report Advice
May12

How I Save Money Gives Credit Report Advice

I was speaking about ways to save money with a coworker who mentioned that she wanted to buy a house soon. She was worried about the rate she would get because she knew her credit score was bad . This person, I’ll call her S, said she had a lot of unpaid medical bills and phone bills from her past. There were also a few bills that had been late in the past but then she had settled with the company so she hoped that had already...

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Crazy Things that Kill Your Credit Score…Part 2 of 2
Mar04

Crazy Things that Kill Your Credit Score…Part 2 of 2

This is a follow up to Crazy Things that Kill Your Credit Score…Part 1 of 2 where I spoke about the first two items on the list. Here are the two other strange items that can really ding your credit score in a bad way. Using Limitless Cards Library fines and other fees Let us take a deeper look at these two items and how they can end up having a negative effect on your credit score. Using Limitless Cards Limitless cards are...

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Why you SHOULD Keep Separate Accounts Even If You Are Married
Feb29

Why you SHOULD Keep Separate Accounts Even If You Are Married

I found this story about a Widow who finds her Credit tied up in her husband’s name after he died. This is a very unfortunate circumstance for her but it just goes to teach us the importance of having your own, separate credit history when you get married. I have already decided that when I get married my husband and I will keep separate accounts. This is not so that we can hide money from each other, but rather to protect...

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