How many times you should check your credit report
Updated on: 12th Apr, 2018

The simple answer is you can check your credit report as many times you want, and this won’t make a negative impact on your credit score. You can check your payment history, credit history, hard inquiries, and soft inquiries annually unless a specific reason calls for it. You can order a free copy...

What costly credit card charges can hurt you real bad?
Updated on: 6th Apr, 2018

Using credit cards is always a costly decision, even though we use it for our daily purchases and need it every now and then! Even though it’s better to use debit cards (only swipe it at authorised stores) or liquid cash for day-to-day transactions, still that’s not always possible. To be hon...

5 Ways you are damaging someone else's credit health
Updated on: 1st Mar, 2018

Credit score plays an important role in deciding your financial health. It is also the key factor to understand whether or not you are a financially responsible person. It also helps to get a rent with better terms, a good job, better loan terms, etc.In short, the better your score, the more financi...

When should you dispute credit card charges and how?
Updated on: 30th Jan, 2018

“The customer is always right” - this is the cardinal rule of shopping. If you have purchased something and then regretted, then the merchant gives you a refund. But what if the merchant refuses to give you a refund? You can request the credit card company to reverse payment, which is popularly ...

Ready to apply for a credit card in 2018? 7 Ways to get approved
Updated on: 4th Jan, 2018

It hurts when a credit card company rejects your application. If you’re planning to apply for a credit card in 2018, then use the following tips to get your application approved. 1. Mention your income: Credit score is important since it indicates how good you’re as a consumer. But it...

The mystery of hard and soft inquiry and how to avoid one
Updated on: 28th Sep, 2017

Checking credit scores may be difficult at times. If there occurs a hard pull or a hard inquiry, your scores might fall down by a few points. There is a division in the type of inquiry done on credit reports. They are soft inquiry and hard inquiry. It is better to understand what is an ‘Inqu...

What happens to your credit score when you pay off all the debt
Updated on: 31st Aug, 2017

Some people assume that paying off their debt will solve all their money problems. They think that after paying off debt, their credit health will improve overnight. But, unfortunately it is not the fact. Paying off all your debts help your credit score to flourish, but it may not always happen i...

Focus on the basics to get 800+ credit score
Updated on: 10th Aug, 2017

Maintaining a good credit score is like taking good care of health, one way. You need this 3 digit number for nearly any new activity you want to initiate, be it taking out a home loan, buying a car, applying for credit cards, or cell phones. Credit bureaus like Equifax, Experian, Transunion usu...

Bipolar & debt: Repairing credit when you are not on your own
Updated on: 8th Aug, 2017

"For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows. -- Paul, 1 Timothy 6:10" Your mental health can play a crucial role as to how your financial health will be. If you’re suffering from...

Credit cards for emergency fund - Risks associated and how to avoid
Updated on: 22nd Jun, 2017

“The whole point of credit cards, the way they are rendered most profitable, is that we dig ourselves into debt and stay trapped there forever.” In the present times, credit cards have become an easy solution. You can just grab your cards and go for shopping, dine out, go for a holiday, buy ...


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