How to Get a Credit Card With No Credit New to credit? No established credit history? It can often seem impossible to find a lender willing to approve you for your first credit card. Lenders want to see how well you’ve managed credit obligations in the past before they’ll extend new credit, but how do...Read More
What Is a Hard Inquiry? You may have heard that a hard inquiry can hurt your credit score. But you may not be sure what that means — what is a hard inquiry anyway? Hard inquiries are created when you apply for credit. They can potentially drop your credit scores, which can result in higher...Read More
What Is a Soft Credit Inquiry? Soft credit inquiries, otherwise known as soft pulls, are not generated by shopping for credit and do not affect your overall credit scores. For example, a lender sending you a preapproved credit offer without you applying is a soft credit inquiry. Checking your own credit score is also a...Read More
6 Strategic Money Moves Every 20-Something Should Make Although you’re young and have the rest of your life to be responsible with money, there are reasons to get a head start on positive personal finance practices. Don’t wait until your 30s or 40s to get serious about your money. 1. Start Saving for Retirement Starting...Read More
How Does Credit Card Inactivity Impact Your Credit Score? When trying to improve your credit score, you'll have to be aware of many factors, including your payment history, the age of open accounts, utilization ratio, etc. It seems like a lot to keep track of, but it could be worth it in the long run...Read More
8 Ways Creating a Budget Will Improve Your Credit Score Budgeting sometimes gets a negative reputation as a practice reserved for people who mismanage their money when ironically not having a budget is more likely to jeopardize your finances -- and worse, your credit score. Very few Americans, it seems, are good at keeping a...Read More
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