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How to Build Your Credit from Scratch

October 2, 2020 by Justin

If you’ve never had a credit card in your life and haven’t asked for a loan, you probably don’t have credit. And if you ever plan to get approval for online loans in Missouri or anywhere else in the country, you need to have a good credit score. So, how do you establish it when you have no loans, and how do you get a loan when you have no ...

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Filed Under: Credit

Should Anyone Ever File Personal Bankruptcy?

July 17, 2019 by Justin

Financial planners have a big hate going for bankruptcy. They almost universally nay-say it and point to the many alternatives. CPAs and attorneys, on the other hand, often speak of the advantages to filing bankruptcy and are quick to point out the "fresh start" aspect of the move. But it's a fact that too many consumers view bankruptcy as a magic ...

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Filed Under: Credit

Living without Credit Cards: Pros & Cons

June 24, 2019 by Justin

You’ve probably heard lots of people’s opinions about credit cards by now. Some American consumers swear by them, touting them as the secret to building credit and paying for purchases in installments. Others view credit cards as the gateway to debt—eschewing them for old-fashioned cash spending or preferring to use a debit card that’s linked ...

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Filed Under: Credit

Boost Business Growth With Alternative Financing

October 10, 2018 by Justin

All businesses need money to get started. However, most businesses that apply for traditional funding are rejected. In fact, only 39 percent of businesses that apply for traditional funding are approved. There are a number of other financing options for you. Short-Term Business Loans Short-term business loans are typically taken out for 12 to 18 ...

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Filed Under: Credit

Maintaining a Good Credit Score: Are Soft Credit Inquiries Harmful in Any Way?

August 14, 2018 by Justin

You worked hard to get your credit score exactly where you want it to be. Now, you want to do everything you can to keep that number where it is. But what about inquiries? When financial institutions or others check out your credit score, won’t it go down? The answer is both yes and no, as we examine the difference between hard and soft credit ...

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Filed Under: Credit

Costly Credit Card Mistakes You Could be Making

February 9, 2018 by Justin

Before you go checking out what the aaa membership cost will run you, it might be a good idea to take a look at your whole financial picture and look where you can reduce expenses, anything from monthly bills, spending money, to making the tough sacrifices in order to free up extra money.  When it comes to credit cards, if you’re not using the ...

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Filed Under: Credit

Try to Boost Your Credit with a Few Tricks

January 9, 2018 by Justin

Of the many aspects of your life that you are looking to improve, credit may not top the list, but that may not be a good thing.  If you are looking to purchase or refinance a mortgage, get a personal loan, a better credit card, or even apply for a job these days, your credit score can give a picture of your entire financial outlook in three ...

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Filed Under: Credit

Why It’s Smart to Use Your Credit Card for Christmas Shopping

December 19, 2017 by Justin

It’s that time of the year, and whether you are one to have been procrastinating or not, now is crunch time to finish (or start for that matter), Christmas shopping, with 6 days until the big day.  The days of price matching are probably limited these days since you are lucky enough to even have the product in stock.  While it would have been nice ...

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Filed Under: Credit

4 Ways Credit Card Companies Try to Lure You In

September 14, 2017 by Justin

These days there is so much competition for credit cards you probably receive offers in the mail daily, if not multiple per day, and send them straight to the trash/recycle.  You have to give the credit card companies credit, they try to make their card standout over the others and get you to apply.  Keep in mind that when you do apply, it will put ...

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Filed Under: Credit

Credit Behaviors to Give Your Score a Boost

August 8, 2017 by Justin

You may not review your credit report and/or score that often, so who knows what is hidden in there.  Each of the three major credit bureaus can provide a free copy of your credit report once a year, although the score is not included.  To view your score, check your credit card statement, as creditors are now providing on a monthly basis.  It’s ...

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Filed Under: Credit

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