When I first graduated college, I was so proud of myself. I didn’t have a credit card, which meant I didn’t get into debt like some of my friends did. I had no other debt than my student loans. I assumed I had been very responsible with my money, building a small savings and submitting […]
5 Financial Tune Ups To Do in January
I’ve never been a big fan of New Year’s resolutions but I do believe in taking some solid steps to secure your financial life at the beginning of each year. Today, PF Pro contributor, Melissa Hoffman, takes a look at 5 financial tune-ups that you should complete ASAP. It’s the start of the new year, which […]
Planning for My First Credit Card App O Rama
Part 1: Planning for My First Credit Card App O Rama Part 2: Which Cards to Apply For In My First Credit Card App O Rama Part 3: Applying for Credit Cards and My Spending Plan For My First App O Rama This is the first part of a three part series on My First […]
Amex Backdating Still Alive But Authorized User Results May Vary
A lot of the questions I get from readers of this blog have to do with building credit. Everyone wants to know things like what type of monitoring services they should use or how they can increase their score in the shortest amount of time. Unfortunately though, building credit isn’t always a quick and painless process. […]
Pros and Cons of Refinancing Your Home Mortgage Loan
Gary Dek is a former investment banker and private equity analyst. Don’t hate him – he had nothing to do with the mortgage crisis and the recession. He writes at Gajizmo.com – check out his site sometime. There are excellent reasons for refinancing a home, but before deciding to do so, homeowners should be aware […]
Should College Students Start Using Credit?
When I bought my first real estate property in 2010, I had excellent credit. My score was over 760, but my mortgage broker told me they couldn’t give me the best rate because my credit history was too short. At the time, I was 23, and the only credit card I owned was one that […]
Credit Karma iPhone App Review
As many of you know, I’m a big proponent of do it yourself credit monitoring and score checking. I don’t think you should ever have to pay for something that is yours. Credit Karma is one of the only companies around that allows you to check your credit score absolutely free. I’ve been a member […]
Knowing Your Credit Score and Building It Up
We have all seen, and laughed at, the litany of free credit score commercials on television now a days. Whether it’s a funny rock band song that you can never get out of your head, or the overweight, balding credit score man seen on your left; we are constantly bombarded with ads for paid services to […]