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Just Say “No” to Credit Card Offers

Are you sick of getting credit card offers in the mail? More importantly, do you ever wonder how these companies are able to track you down in order to offer you a card that could potentially damaged your credit rating? Turns out credit card companies use target marketing techniques and services to keep their business going. In some cases, the method is blatant, such as individuals trying to get you to sign-up for the card on a college campus or near an outdoor Farmers’ Market. In other cases, like the offers that are sent via snail mail, credit card companies … Continue reading →

High Credit Scores Mean Lower Car Insurance Premiums

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Could your credit score affect the cost of your car insurance premium? A study finds that it actually can. Those that have high credit scores end up being charged less money on their auto insurance premiums than people who have average, or bad credit. There is some debate as to whether a person’s credit score has anything to do with how good or bad the person is at driving. In some states, (like California and Massachusetts), it is illegal for insurance companies to check a potential customer’s credit scores before giving them a quote for auto insurance. However, at this … Continue reading →

Better Access to Credit Score

A new year has begun. Now is the perfect time to look at your credit report to make sure the information reported on it is correct. You can get a free copy of your report from any agency responsible for the decision to deny credit. A better option is to go to annualcreditreport.com. At annualcreditreport.com you can order a credit report from each reporting agency for free each year. There are many catchy commercials on TV advertising free credit reports. While the commercials are clever, the credit reports aren’t exactly free. You will get a free report, but if you … Continue reading →

Beware No-Spending-Limit Accounts

When I was a lot younger, I acquired an American Express Green card. I don’t remember if I sought out an application or if American Express sent me an invitation to join. I do remember that I applied just to see if I could get one. American Express granted me its card. I sent it back and canceled the account. I felt that the last thing I needed was a card without a spending limit or a $58 yearly fee just to hold the card. Some years ago American Express ran an advertising campaign pitting itself against Visa and MasterCard … Continue reading →

Protect Your Family By Knowing Your Credit Score

What is your credit score? Has it changed recently? Is your credit score considered to be low, or is it nice and high? If you don’t know the answers to these questions, you might be at risk for identity theft. One great way to protect your family from identity theft is to be extremely careful about whom you share personal information with. But, even the most careful person can become a victim of identity theft. The best way to protect your family from identity theft is by being keenly aware of your credit score, and to know what, exactly, is … Continue reading →