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  • Bank Games
    • Bank Game: Financial Football
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    • We Are Rich
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    • How to Earn 13 Times the National Average Savings Rate FDIC Insured
    • 3 Easy Rules for Saving Without Budgeting
    • Budget According To Priorities Not Impulses
    • How Market Linked Certificates of Deposits Work
    • 15 Money Saving Tips That Will Beef Up Your Savings Account
    • Simple Steps to Getting a Savings Account
    • Savings Tips for Thriving in the Recession
    • 10 Simple Ways to Save Money Now
    • Real Money Saving Tips- From Real People
    • Just What Is a Savings Account?
    • What is a Rainy Day Savings Account?
    • Money Market Account vs. Savings Account Comparison
    • How to Find and Reduce Hidden Expenses
    • Is Your Bank Doomed to Fail? 5 Ways You Can Protect Your Savings Account
    • Traditional IRAs

Not All Credit Scores Are Created Equally

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Has this ever happened to you? You and your spouse are eager to buy a car or a home, you jump online to one of the plethora of credit monitoring websites: www.myfico.com www.creditadapter.com www.creditdiagnosis.com www.freescore.com www.privacymatters.com www.truecredit.com www.transunion.com www.equifax.com www.familysecure.com www.freecreditreport.com www.freecreditscore.com www.experian.com www.identitysecure.com www.privacyguard.com www.creditkarma.com You get your credit … [Read more...]

Filed Under: Auto Insurance, Bank Deals, Credit Cards, Credit Scores, Health Insurance, mortgages, Personal finance  Tagged: credit, credit bureaus, credit reports, credit scores, credit scoring models, equifax, experian, FICO, FICO score, transunion

Vital Things You Need To Know About Your FICO Score

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The Origins of FICOFirst of all, let’s briefly discuss the origins of FICO (Fair Isaac Corporation). Back in 1956 many were introduced to credit scoring by two pioneers in the field: engineer Bill Fair and mathematician Earl Isaac. Over the years, the pair convinced lenders that mathematical formulas could do a better job of predicting whether an applicant would default than even the most experienced loan officers. Thus, the birth of your FICO score.Understand that there are now many different … [Read more...]

Filed Under: Credit Cards, Credit Scores, mortgages  Tagged: applying for a loan, credit score, definition of FICO, FICO, FICO score, what is FICO, what is good credit, what makes a credit score

Credit Cards And Your Credit Score

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 Can Cancelling a Credit Card Affect My Credit Score?Cancelling a credit card will affect your credit score, especially if you have had that card for several years. 15% of your FICO credit score is based on how long you have had that line of credit. The older the better. Once you cancel that card, you will lose that long history you had with the card and your score will go down.How Do Credit Cards Affect My Credit Score?Credit cards affect your credit score with two factors:The balance on … [Read more...]

Filed Under: cashback credit cards, Credit Cards, Credit Scores, Discover Credit Cards, Personal finance, rewards credit cards, travel credit cards  Tagged: applying for a loan, credit card balance, Credit Cards, credit cards affect credit score, credit inquiries, credit score, FICO, FICO score

What Is A Good Credit Score?

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We have all seen the advertisements, such as: “0% APR”, or “No interest, no payments for 90 days”, or “90 days same-as-cash” offers. Then the kicker (On Approved Credit). So what EXACTLY does this mean to you and I? What Is A Credit Score? A credit score is the mathematical opinion about your ability to repay any loan generated by a credit scoring company. There are many different credit scoring companies out there, all of them use their own proprietary mathematical credit scoring algorithms … [Read more...]

Filed Under: Credit Scores, mortgages, Personal finance  Tagged: average credit score, FICO, FICO score, what is a good credit score, what is good credit

How to Build Credit When You Don’t Have Any

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Ahhhh, the age-old question, “how can I get credit when I don’t have any?” Well there’s no time to start like the present. The first question you need to ask yourself is: What TYPE of Credit Should I Get? There is a difference in types of credit. If you are just building credit, you are going to want to get the most “bang for your buck.” Since 30% of your FICO score is based on amounts owed, this also goes to say that 30% of your credit score is based on CREDIT CARDS and how you use them. Now … [Read more...]

Filed Under: Credit Cards, Credit Scores, Personal finance, prepaid debit cards, Zero Percent Credit Cards  Tagged: building credit, Credit Cards, credit cards credit score, credit cards for no credit, FICO score, getting good credit, good credit, good credit score, how to build credit, prepaid debit cards

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