Credit Rating | Credit Card Topics

Know the Score: GetCreditScore Helps Australians Keep Track of Their Credit Status

By: Ashley Dull, 7/9/2018

In a Nutshell: A person's credit history — whether it's solid or shaky — can have an impact on the outcome of big life decisions, such as taking out a loan to purchase a car or home or starting a business. That's why it's important to know where your credit stands. GetCreditScore offers a free and simple way for Australians to keep track of their credit score, understand the factors that influence a credit score, and learn how to improve it. // Most consumers will need to take... read more »

How LenddoEFL Uses Data and Personality Analyses to Increase Access to Financial Services in Emerging Economies

By: Ray FitzGerald, 5/29/2018

In a Nutshell: Accessing credit in developing economies can be a long, difficult task that can affect a borrower's well-being and financial success. LenddoEFL combines big data analysis and psychometric evaluation to create alternative credit risk assessments that help people in emerging markets access vital financial services. The company develops a comprehensive understanding of a consumer’s creditworthiness by examining behavior as simple as how often they charge their phone’s... read more »

10 Expert Solutions — How to Build Credit Without a Credit Card

By: Ashley Dull, 5/14/2018

No matter how tasty others find a dish, if you've had a horrible experience with a particular food, chances are you'll avoid it like the plague thereafter. Similarly, regardless of how many people extol their virtues, if you've been burned by credit card use before, chances are you're not too keen to give them another chance. Unfortunately, while there are thousands of alternative meal choices, you typically need credit to get credit. This can make it difficult to avoid credit... read more »

TotallyMoney.com Provides More Than a Quarter-Million UK Users with Access to Free Credit Reports and Tools to Improve Their Scores in Less Than Six Months

By: Ashley Dull, 1/25/2018

In a Nutshell: Around 55% of US adults check their credit score at least once a year. The number is far lower in the UK, where Brits have had difficulty accessing their credit profiles in the past. To help solve that issue, TotallyMoney.com began offering UK residents free access to their credit history and scores in August 2017. A quarter-million residents have already used the platform to see their score, which also includes the company’s Borrowing Power which uses proprietary... read more »

12 Best Credit Cards for Building Credit (2018)

By: Ashley Dull, 8/25/2017

People looking to build credit are starting their credit journey for the first time, while others may be resuming a journey derailed by a financial mistake (or three). Either way, building -- or rebuilding -- a positive credit history can have substantial benefits for your financial future. Why? Because credit reports are used by everyone from potential lenders to potential landlords to get an idea about your financial habits, meaning the information housed within those reports will... read more »

10 Best Credit Cards for Rebuilding Credit (2018)

By: Ashley Dull, 7/31/2017

Despite the best efforts and intentions, debt can become a problem for anyone. Thankfully, consumers have a variety of options for dealing with debt, including debt relief programs and (as a last resort) bankruptcy. The real problem with personal debt comes from its lasting credit effects, which can tank your credit score if payments are missed or defaulted on completely. Rebuilding your credit is possible, however, and can be made significantly easier with the right credit card. ... read more »

5 Facts: Capital One® Credit Tracker (Now CreditWise from Capital One)

By: Mike Randall, 11/30/2016

Capital One is one of the largest and most respected credit card issuers in North America, with more than 63 million active card accounts. In addition to offering a wide variety of credit card choices for consumers, Capital One also provides credit tracking and free access to credit scores through its popular Credit Tracker tool. Since 2014, Capital One’s Credit Tracker has helped American consumers view and track their credit score whenever they want. Now, the next generation of... read more »

Walmart Credit Card — “Bad Credit OK?”

By: Toby Sembower, 2/23/2016

Walmart is world-famous for its deep discounts on everything from bath soaps to bicycles, making it one of the nation's most popular stores for credit card users. The discount retailer is also known for promoting its own Walmart-brand credit card to its shoppers, which leads many potential applicants to ask the question: "Will Walmart approve me if I have bad credit?" The answer, most likely, is no. While there are a handful of reports from those with credit scores in the 600... read more »

7 Best Unsecured Credit Cards (For Bad Credit)

By: Toby Sembower, 1/26/2016

While having a poor credit history can severely impact your ability to get a mortgage, a car loan, and sometimes even a job, it doesn't necessarily preclude you from obtaining a new credit card. In fact, a couple of major issuers — Fingerhut and Credit One in particular — specialize in providing credit card accounts to those with imperfect credit, offering such cardholders a sustainable credit line and an opportunity to rebuild their credit ratings by using credit responsibly. ... read more »

10 High-Limit Credit Cards for Excellent Credit

By: Alexandra Leslie, 11/23/2015

If you’ve got a credit score above 750, congratulations! You fall into the minority of consumers with excellent credit. You’ve done your due diligence and handled your past loans and lines of credit responsibly, and it is reflected in your credit score. With this badge of honor, you'll receive the best interest rates, save potentially thousands of dollars over your lifetime (assuming you keep your score up), and get access to the best credit cards on the market with high credit... read more »

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