Understanding the down side of avoiding credit

Eschewing credit is not a good way to build a credit history. Creditors want to see the borrower can handle credit responsibly.
A stack of credit cards against a black tabletop.

Avoid bad buying practices and use credit cards to your advantage

Responsible credit card use can be beneficial to you and your credit report. Be careful; it's easy to develop bad habits with credit cards.
The corner of a credit card with a Visa logo.

Identity thieves see job seekers, children as lucrative targets

Identity thieves, who victimized nearly 11 million credit card holders in 2009, are increasingly targeting more children and job seekers...
idenity theft, victime or perpetrator?

How Can Your Credit Score Be Saved With Something As Simple As A Payday Loan?

Millions of people every year fall short on various bills and lose credit points. Payday loans are a no credit check option that can ease the pain.
Millions of people every year fall short on various bills and lose credit points. Payday loans are a no credit check option that can ease the pain.

How do you establish credit when you need credit to get credit?

To establish credit when you have no credit is a challenge, but responsible use of a secured credit card is a good way to get you started.
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Student loan repayment affects your ability to get a mortgage

Student loan debt doesn't affect your ability to get a mortgage loan if you make payments on time and check student loan repayment options.
a man with a pile of student loan statements

How to Obtain a Clean Credit Report

A clean credit report is crucial to manage your finances well and to rid problems created by bad credit. It's tough, but not impossible.

Facts About Installment Loans Everyone Should Know Before Applying Online

Are installment loans online safe and secure? Is applying a big hassle with tons of hoops to jump through? We have the facts you want to know.
Are installment loans online safe and secure? Is applying a big hassle with tons of hoops to jump through? We have the facts you want to know.

Manage your financial problems regardless of your credit status

Regardless of your credit history, you can manage your current financial situation with a payday loan.

FICO Announces Damage Guidelines for Credit Mistakes

FICO makes public the effects of common credit mistakes in concrete numbers on individual credit scores...

Prepaid Credit Cards Can Help Build Your Credit

Prepaid credit cards are a good option for building a credit history, as they offer all of the benefits of a regular credit card, but none of the risks…

How To Get A Cash Advance Without Providing Collateral or Submitting To A Credit Check

Credit checks can hurt your credit score and providing collateral for a loan is an unneccessary risk which can be avoided.
Credit checks can hurt your credit score and providing collateral for a loan is an unneccessary risk which can be avoided.

What Factors Determine Your Credit Rating?

This article looks at the factors used to calculate your credit score. Knowing this can help you understand what actions should be taken to maximize your credit worthiness.

Can Payday Loans Protect Your Credit History?

Payday loans can be used to protect your credit history, which will make it easier to borrow money and find a job in the future..
Don't let the stormy economy wash away your credit.