Secured Credit Card vs Unsecured
A secured credit card requires a cash "security deposit", which is usually the same as the spending limit. We prefer a reputable secured card over a credit card designed for bad credit. Read more >
Do Medical Bills Affect Your Credit?
When medical bills don’t get paid within 90 days, the hospital or physician sends the account to collections and your credit score could drop by 50 to 150 points.   Read more >
Hard Enquiry: Avoiding the 5/24 Rule
Credit bureaus will ding your score when there are 5+ credit applications within 24 months. It's called the 5/24 Rule. We'll explain the difference between a soft and hard enquiry, and how to avoid a 5/24 penalty. Read more >
Best Loan Bad Credit: Increase Score 50+ Points
Consider a personal loan in addition to credit card accounts. It will round out your mix of accounts, which could increase your credit score 50+ points. Read more >
Good Credit Card for Bad Credit
These 3 credit cards are typically approved even with a low credit score. Plus, 2 tips that will make these cards work for you. Read more >