Personal Financial Advice from a former Certified Financial Planner
I don’t need more credit cards. My Capital One card has something like a $35,000 credit limit. I pay it off every month. So, why am I getting a Chase Sapphire Preferred rewards credit card? However, while the easiest thing to do is to just get a good credit card …
One of the latest trends in online personal finance is the idea of getting a free credit score. This plays so well because we all know how important our credit score is, but it is still relatively difficult for the average person to get and see their credit score. (Note this is different …
Don’t waste your money on services that allow you to constantly get your credit score. Use a little insder knowledge to get a free credit score and check it only when it makes sense.
I’ve gotten several requests for a Quizzle review. Quizzle is an online financial service that offers, according to the bold face type, a free credit report, free credit score and various financial tools. Whenever someone points me in the direction of a personal finance company like this the first thing …
Is it just me, or are you getting a lot more offers for real credit repair these days? Legitimate Credit Repair Is there a way for someone to do legit credit repair? After all, there are all of these people out there selling credit repair services, so there has to …
If you are wondering whether to be worried about the Equifax hack, the answer is yes. You should be worried. However, you do not need to panic. By now, you should probably have some rudimentary credit monitoring whether it comes through a free credit score service like Credit Karma, or …
I spend a lot of time talking about whether or not the free credit scores from CreditKarma, or the WalletHub free credit scores, or the credit scores from Credit Sesame are “real credit scores” or not. The reality is that most of the time, it doesn’t actually matter. If it’s a …
Did you see commercials for a free credit service from Experian. They do something clever in that they de-emphasize the free credit score idea and instead play up the concept that “credit is a skill” rather than a number. This is actually true advice, even if it isn’t what most people …
The folks at Barclay Card are nothing if not persistent. A buddy of mine is overseas. I picked up his mail, and there are at least a dozen Barclaycard MasterCard mailers in here. It got me wondering, is the Barclaycard Rewards MasterCard good or is the Barclaycard MasterCard a waste …
It’s hard to get real, hard data on various finance things sometimes. After all, for “real world” data, I can only go on what I have most of the time. That’s hardly definitive for everyone. There is always data “out there,” of course, but it’s hard to know what to …