Friday’s Credit Tip #3: Pay your Bills on Time!


This week’s credit tip may seem obvious, but it’s often overlooked. Many people think that they’ll get to it eventually, but it’s really one of the first steps you need to take. Simply paying your bills on time is one of the best ways to improve your credit score. This is absurdly simple, but it [...]

Friday’s Credit Tip: #1 – Understand Where Credit Scores Come From


If you are going to improve your credit score, then logic has it that you must understand what your credit score is and how it works. Without this information, you won’t be able to very effectively improve your score because you won’t understand how the things you do in your daily life affect your score.  [...]

Credit Repair: Do it Yourself or Hire a Pro?


If your credit score is the rough equivalent of room temperature, it might be time to undertake some credit repair measures. This means one of two choices: hire a professional credit repair firm or handle it yourself. The credit repair industry has its fair share of snake-oil salesmen. The plain truth is that credit repair [...]

How to Fix Your Credit is an Amazon Bestseller! Get 10% off for the next 48 hours!

how to fix your credit cropped

Check it out! How to Fix Your Credit is now an Amazon bestseller! It’s currently #30 in Credit Ratings and Repair! Are you waiting for the right time to fix your credit? Well, what are you waiting for? Buy your copy today! If you like the feel of a real book in your hands, you can even [...]

Four People Who Might Ruin Your Credit


Some people don’t give their credit scores much thought, but if you have a high rating, the opportunities are endless. People with good credit typically qualify for loans, and a good credit score can open doors to job opportunities and lower insurance premiums. The truth is, building a good credit score is not rocket science. [...]

See What Other People Have to Say about my Book!

How to fix your credit (paperback)

You may have heard that I am now selling a paperback version of my book, How to Fix Your Credit. If you’re one of those people who likes to hold a real book in your hands, well, this is for you! Take this book and highlight it, make notes in the margins, or give it [...]

7 Credit Card Myths—Busted!


Who hasn’t caught an episode of MythBusters on the Discovery Channel? It’s an entertaining production focused on debunking urban myths in a tongue-in-cheek style. Myths arise about many of life’s experiences and that includes the ubiquitous credit card. Today, we will look at seven common myths regarding credit cards, and then we’ll debunk them.

What is Credit?

credit card

Credit has two main definitions. First, credit can be described as your level of trustworthiness when it comes to repaying money that you borrow. It can also be termed as your ability and your intent to repay money that you borrow. This level of trustworthiness (or ability and intent) is measured by something called a [...]

The Secrets To Making Money with Your Credit Card


Most of us are familiar with the many incentives our friends in the credit card industry have concocted to attract us to apply for their credit card rather than another company’s card. The free market is a wonderful thing, and this is just one example of how it brings many choices to the consumer.

Should You Ask Your Date “What’s Your Sign?” or “What’s Your Credit Score?”


Has it really come to that? While credit scores certainly play a legitimate role in determining your ability to borrow money, and to a lesser extent, a job, do credit scores have a place in the dating game?

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