Skip to main content

Navigating Your Credit Questions

This page links to all of the Articles in the Blog.

Credit Basics

What is Credit?

 What is difference between your Credit Report, Fico Score, and your Credit Karma Score?

Why is your Credit Score Important?

How are Credit Scores Calculated?

Where to get your Credit Report/Score for Free

Why are Credit Cards Important?

Debit Card Advantages and Disadvantages

Debit Card Debacle Debit Card Fees

The Credit Card Minimum Payment Trap

Student Loans and Debt


Building Credit

Building Credit with No Credit History

What is a Secured Credit Card?

Secure Credit card Special Note

What is a Credit Builder Loan?

What is an Authorized User?

Managing your Credit


Managing your Credit Cards with Auto pay

Credit Card Cash Advances

Zero Percent Credit Card Offers

The Tenth/Twenty-fifth Credit Card Game

OOPS I missed a Payment

How the Minimum Credit Card Payment will Break You

Credit Card Statement Dates

Never make Charges on a Credit Card with a Balance

Never Pay an Over limit fee on your Credit Card

Cosigning a Loan for a Friend

Quickly increase Your Credit Score

Credit Card Safety Measures

Collection Agencies

Dealing with Collection Agencies

How Collection Agencies Work

Never Pay a Collection Agency? Check this Out

Another Debit Card Horror Story


Credit Urban Myths

How Wealth is Created 1970 to 2022

Delayed Gratification and Your Credit 

Rental Real Estate Wealth Advantages

Delayed Gratification Rich Middle Class or Poor


*****Why I should not have written this book…

****Johnny A–never help someone with no credit




4a ****#1 Rule of Credit

****Some hard and fast rules about Credit

****Cash Crisis?

****Credit Trap Mistake???

****The Pawn shop Trap

****The Payday loan and Pawn Shop Trap.

****What is an Authorized User

****How to become an Authorized User

****How To Get Late Fees Reversed



*****Cash Advances and how they work

******Credit Card Statement Date

****Changing the Statement Date 


8 The Financial Goal





Appendix

****Keys to a long and healthy life


****Monger Books

****Commercial Property Rental rates

****Fairly simple metric on house prices.  

****Keys to a long and healthy life

****Cash Crisis?

****The Payday loan and Pawn Shop Trap.

****What is a Credit Builder Loan?

****Self Credit Card.

****Peter’s Story

****you do not need to carry debt on your credit cards to build your credit.

****Dave Ramsey Rant---

***What is a Personal Loan?

****The Dave Ramsey story

****What is  financial ground zero

****Financial Independence

****xxWhat is the FIRE movement?

****Financial Responsibility

****What is Broke?

****Zachs Credit Story

**** Creating a Credit Card Financial Disaster


****How to Improve a Bad Credit Score

****Collections

****Bankruptcy 

****3xxStore Credit Cards vs Bank Credit cards.???rewrite

*****Credit Card Fees

****Annual fees

****Returned Check fees

****Lost Card fees

****Overlimit fees.  

****How To Get Late Fees Reversed

****Credit cards when traveling around the US

****Credit Cards when Traveling Internationally

****What is a Credit Card Transfer?

****What is different with Military Service Members Credit?

****Is it legal to have negatives removed from your credit report?  

****Where to get your Credit Report/Score for free 

****Who can access your credit history?

**** What is the difference between a hard credit check and a soft credit check?

****What Factors cannot be used to figure your credit score? Age? Race? Sex?

****Does your Race or Sex figure into your Credit Score?

****What is a good credit score and what is a bad score?

****Does my Credit Score affect my Car and Home Insurance rates?  

****How long will a missed payment affect my credit score? 

****How much will a missed payment affect my Score?

****Never spend on a credit card with a balance.

****The Car insurance Monthly payment Trap

****How does a Rent to own furniture/appliance dealership work?  

****Personal Loans

****Heloc Loans

****Does my income impact my credit score?


Comments

Popular posts from this blog

New Account Notification

I have four different Free ways to be notified of a new account being opened in my name on my Social Security number.  This is the critical notification that your Identity is being stolen if you did not just open a new credit line. My Discover card, Credit Karma, Chase Bank, and Credit Sesame accounts all notify me if there has been a new account opened in my name with my Social Security number.   New Credit Account I recently opened a new Home Depot* credit card.  You know those Black Friday tool sales sucked me in again.  I do it almost every year.   Anyway right on time the next day and the day after I opened a new account I was notified by Credit Karma, Discover, Chase Bank, and Credit Sessame. Why This is Important Any time your credit is checked you need to be notified.  If you did not apply for new credit it is likely to mean someone is attempting to STEAL Your Identity.   The first step in Identity Theft is for the thief to apply...

Dealing with Customer Service Successfully

Always Be Nice to Customer Service Customer Service Agents are able to help you if you're nice to them and hurt you if you're not. I was never taught how to deal with Customer Service.  However my Mother always taught me to be a Gentleman. Customer Service on the Phone I am always extremely nice and courteous to customer service. They have a very tough job because so many people yell at them and treat them horribly.  So many customers, especially of banks or credit cards, make a mistake but won't accept responsibility for their mistake. The customers want to blame the bank for the missed payment.  My dog ate my statement so I didn’t pay my bill. My rule of thumb is always be extremely nice to customer service. They're just doing their job and it is a tough one. They can certainly help if you are nice to them. Customer Service Tracks You Many Customer Service agents are able to make notes on your account. If you are particularly mean during an interaction they will ...

What Caused My Credit Score to Drop?

The most common reasons for a credit score drop is a missed payment, a new line of credit, a credit card removed, or an increased use of your credit.    A missed payment will have a significant and lasting effect on your credit score.  I had an 810 credit score and I missed a payment on my Lowes card.  I did not realize I had a bill with them.  The bill was under $50. I realized I had not made the payment when it showed up as a negative on my Credit Karma credit score.  It dropped my well aged with over 800 credit score by over 90 points.  Check this article on how I was able to get the Lowes negative removed.???** A new line of credit like a new credit card will lower your credit score.  Depending on how much credit history you have, a new line of credit will lower your score by ten to thirty points.  Increasing your debt with a major purchase on your credit card or a new car loan, will also lower your credit score.  A friend of mine ...