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I am a student. I have a checking account but I am unemployed. Can I use my father as a co signer since he supports me?

[September 30th, 2014]

Yes, you can. You can also apply for a student credit card without a co-signer. If a credit card issuer decides you need a co-signer, you will be notified.

Why my credit inquiries affect my credit?

[September 25th, 2014]

Your credit is not affected when you request your credit reports. But if those inquiries are made by a creditor, your score can be affected. The more inquiries you have, the greater impact it will have on your credit. So, if you apply for several credit cards within a short period of time, you thus […]

There are several credit score websites but they all give different scores. Which one is accurate?

[August 29th, 2014]

There are three major credit bureaus: Experian, Equifax, and TransUnion. You can get one free credit report from each of the credit bureaus. Your scores from these credit bureaus can a bit differ because not all creditors report your credit activity to all three bureaus. And every credit bureau has its own formula to calculate […]

What is the best prepaid debit card to build credit and which is reported to three credit bureaus?

[August 18th, 2014]

You won’t be able to build your credit using a prepaid card because prepaid cards are not reported to major credit bureaus. With a prepaid card you use your own money, not the money you lend, so there is no credit activity to report. If you want to build your credit, you should apply for […]

Will a credit card increase my credit score?

[August 8th, 2014]

If you want to increase your credit score using a credit card, the card should be reported to the major credit bureaus. Most major credit cards are reported to the credit bureaus. Prepaid card are not reported. If your credit is bad, a secured credit card can be a good option for you. It requires […]

What kind of card can I get if I have good credit?

[August 6th, 2014]

If your current credit history is good you can choose a credit card with rewards or a card with 0% interest introductory period. There are a lot of credit cards to choose from, so make sure you compare the offers before you apply. If you do not know your current credit score, you can use […]

I need a credit card. I have excellent credit but no one wants to approve me. What can I do to get a credit card?

[July 29th, 2014]

Make sure your current credit is excellent by checking your credit reports. When you know your credit score you can choose a right credit card for you. You can also use our credit score estimator to see your approximate credit score and the cards you can apply.

I need personal loans to pay in full all my credit cards.

[July 29th, 2014]

Look at the personal loans we offer. Most lenders will approve you for a loan of up to $1,000. But the amount of loan will depend on your creditworthiness. You will need a bank account which accepts deposits, so make sure you have one.

I have bad credit and I am starting college to better my life. But I cannot seem to get a lender to give me a chance to rebuild my credit. Do you have any suggestions on what I can do to get some help?

[July 23rd, 2014]

To qualify for a credit card you should be at least 18 years old, some issuers approve starting from 21 years old though.  Also, you should have a stable income and the credit card issuer may check your employment. You can use our credit score estimator to see your approximate credit score and the credit […]

What is the best credit card for me when three credit reporting companies don’t agree on my rating? One says “good” the other two say “fair”. Equifax doesn’t even have an accurate record on me.

[July 23rd, 2014]

Your scores differ because not all creditors report your credits to all three major credit bureaus. Also, every credit bureau has its own algorithm to calculate a score. If you have some inaccurate information in your credit reports, you should dispute them with a credit bureau. Since your average credit score is fair, you can […]