Why is it so important for you to make your payments on time? You have to understand that the way creditors judge a score is called a risk score. That is, how much of a risk are you to go bad with your payments? When you are currently late with your payment or have been late last month, you are much more of a risk to go delinquent than someone who has never been late. The most important thing you can do is to build up and maintain your score by paying your bills on time.

Blogging on a Saturday night in Los Angeles. My life is a little slow these days! But it is helping my credit. How, you might ask? This is the second step in our conversation. It has been an expensive month. Kids had some unexpected medical bills and my house had some plumbing issues. How is me being home helping my credit? Because I am not charging up my credit cards. I have disciplined myself into charging only what I can afford. If I am not going to be able to pa

Welcome back. I hope you enjoyed your weekend. Some of you are at a point in your life where you want to buy a car or your first house. The big question you might have is “Where do I start?” If you do not have any credit and are being denied credit, the best place to start is a secured credit card. A secured credit card is just like a regular credit card. The only difference is that you are required to put down a security deposit. It is usually from $250 to $500. Why d

Can this be possible? “I don’t have any negative credit? Why was I declined?” It could be because of a lack of credit. It is like this. A person wants to be a police officer. He says, “I have never been arrested or in trouble with the law, please hire me.” That might be true, but what have you done to prove that you can be a police officer? How far have you went in school? Have you done drugs before? What have you done in your community? There is nothing to base wh