Many people are unaware of the fact that nearly all credit-card issuers allow cardholders to grant other people access to use their credit. Joint bank accounts, loan co-signers, and mortgage co-borrowers are fairly regular things, so why not a credit card that can be used by two or more people? Those with access to use […]
Posts by
Maximizing Your Credit Age
Your credit age is the average amount of time your accounts (credit cards and loans) have been open. Although your real age isn’t a factor in your credit score, having a lengthy credit age matters. A high credit age is of medium importance when it comes to your credit score. Low utilization, on-time payments, and […]
Understanding Your Credit Score
In my last post, I discussed methods for obtaining and monitoring your credit report. In this post, I examine what factors go into determining your credit score. Keep in mind that credit reports and scores exist so that creditors can determine how much of a risk you are. Some things you think would be relevant […]
Tools for Monitoring Your Credit
You can examine and monitor your credit report and score in a variety of ways. Under the Fair and Accurate Credit Transactions Act (FACTA), you’re entitled to check your credit reports for free from all three credit reporting agencies — Equifax, Experian, and TransUnion — once a year via the website annualcreditreport.com. You’ll have to […]
Basic information about Credit Reports and Cred...
Trying to understand a credit report and credit scores can be a daunting task. Credit reports contain and credit scores represent a plethora of information, but figuring out how that information helps or hurts you isn’t easy. Even more difficult is trying to determine what changes you can make that will benefit your credit reports […]
Introduction to the Credit Game
Hello! I’m Dr. Lou Antonius and I’ve been a professional gambler for more than a decade. Before I got into gambling, when I was a relatively broke college student, I always had some side hustle to make or save money. Extreme couponing? Did it. Online surveys for money? Been there, done that. My longest-lived side […]
Never miss another post