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    Can You Take Me Higher? 5 Things to Increase My Credit Score Higher Than 700.

    If your credit score is above 700, here are 5 things to keep inching it up.  Alright, my credit score is above a 700, now what? How to increase my credit score… Answer: Keep building your credit score because, you may need it in the future and credit = money (see my article, How to use my credit score to make more money.)  Here is a list of 5 things to do to keep building and refining your credit score. 1. Download Credit Karma and Log In. Monitoring your credit score is an easy way to stay in touch with your finances, think of it as having a scale in…

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    If Your Credit Score Is Below 700, Here Are 5 Things You Should Do…

    If your credit score is below 700 here are 5 things to refrain from to get it to where it should be.  There are people who believe the whole credit bureau system is a scam.  However, the hard truth is your credit score is a reliable source from employers, lenders, housing, and creditors to determine the likelihood that a certain individual will pay what is owed, and on time. To understand how to build credit, first there needs to be an understanding of what hurts your credit. THINGS TO AVOID: Don’t let credit card companies lull you into financial disaster. It’s obvious and not at the same time, credit cards…

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    How To Use Your Credit Score To Make Money – BIG money

    I started getting involved in the using credit cards and perks about a year before my wife and I got married. I we both opened American airlines credit cards and we started charging our wedding expenses on them.  The perk was 50,000 miles when I spent $3000 in the first 3 months.  So, I booked our Honeymoon to Jamaica, and hit the $3000 limit in one go.  I then used the points to book the tickets to fly to Jamaica and back (a long flight) for free. Do you spend a total $1000 dollars on gas, groceries, makeup, toilet paper, etc. every three months?  If yes do you want to…

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    How the Credit Bureaus Look at Your Credit Score

    Monitoring your credit score is an easy way to stay in touch with your finances, think of it as having a scale in your bathroom, not only does it provide you with information about yourself, but it also can give an incentive to get off your butt and start working on it.  Credit Karma doesn’t just give you your credit score, but it also breaks down your Credit factors for you.   Here are the 6 credit factors Credit Karma looks at to improve your score: Credit Card Utilization: the percentage of your used credit over your available credit; Derogatory marks: missed payments, late fees…; Total accounts open: track your credit…