“Secured Identity” Wednesday 03/12/08

Instead of signing the back of your credit cards, write “SEE ID” with a thick permanent marker. Your card will be a lot harder to use if it is ever lost or stolen.
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“Keeping Tabs” Wednesday 03/12/08

Most credit card companies provide email or text message alerts to inform you of an upcoming due date or to alert you when you are approaching your credit limit. These messages can easily prevent late and over-limit fees. Some credit card companies will allow you to change your due date to a day of the month that works best for you.
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“Credit For The Not-So-Rich” Tuesday 03/11/08

When applying for a secured or partially secured credit card, be sure that the issuing bank or financial institution reports your timely payments to all three credit bureaus. This will help in building your credit. Just 6-9 months of timely payments and responsible use could qualify you for a nice credit limit increase or even an unsecured card.
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“Credit For The Rich” Tuesday 03/11/08

Certain large, national banks are increasing rates for some of their credit card customers. It doesn’t matter your limits, usage, payment history, credit score, or income qualifications. If you don’t opt-out of the pre-approved credit card solicitations in the mail, they may (or may already have) increase your rate.
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“How-To Own a Home” Monday 03/10/08

It’s a good idea to get pre-approved for your first home loan. The bank will give you a pre-approval letter. This is an estimate of the loan amount you can afford and a sample of the loan programs you may qualify for.
Be prepared for this experience. The lender or loan officer will “scrub” your credit. They’ll review your credit with you in every detail and ask questions about accounts, payments, negatives, late payments, etc. It’s a good idea to have reviewed it on your own before this “scrub”. Get a free copy of your credit report at www.CreditSkyRocket.com. Be certain all the information in the report is valid and be ready to explain any item in it. If you find errors and your credit needs repair, see our resources at www.CreditSkyRocket.com.

"Owning a Home" Monday 03/10/08

Phenomenal credit score? They’ll offer, but do your best to resist a “no-cost” refinance. Lenders often represent a loan with no out-of-pocket expenses as a “no-cost” loan. There are closing costs with every home loan. The banks don’t work for free.
“No-cost” often means that you are financing the closing cost over the life of the loan. The fees for a 30 year loan could sting a bit at closing. But in the long-run, the fees could cost about double if they’re financed.
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“Establishing Credit” 03/08-09/08

It’s important to open accounts cautiously. You’ll build your credit a lot faster by opening different types of accounts, rather than just getting approved for a couple of credit cards. Even if you have all the money to pay for a car, consider financing just part of the purchase. Buying a computer? Think about the stores financing options.

When applying for large financed purchases, banks look at the proper management of different types of accounts and they’ll be more inclined to approve you.