Let’s face it. Most people do not sit on a pile of cash. The need for credit could arise at any time, and sources such as loans, mortgage or simply even a credit card could save the day. While having a credit history is not a problem per se, what assumes significance is the need […]

Having credit is crucial to getting pretty much anything of substance in the world. Even rich people don’t always like spending their own money for things outright, so the ability to get a loan to take care of things or to have things is a nice benefit. Giovanni Orlando via Compfight Having said that, most […]

A clean credit history is an important thing to have if you want to apply for loans and financial services like credit cards or store credit. There is no national blacklist for poor credit, but there is a system whereby lenders can request information on your credit rating from companies like Experian and Callcredit. Understanding […]

A question that is often heard straight from college students is “how can i start building my credit?”. Everyone has to start from somewhere and it is not easy to get a card, if you have absolutely no credit history. If you are lucky, you might be able to get a relative to co-sign for […]

Anyone who’s ever grown up with a brother or sister has probably been taught the value of sharing at a very early age. I had a younger brother growing up, so I learned from a rather early age to hate the “S” word. But while we all (well, most of us anyway) eventually learn that […]

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