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9 selected articles

How to Track Credit Score Changes + Free Credit Monitoring ...

February 11, 2019 By Jonathan Ping 169 Comments

"The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone."

Updated 2019. As noted , the government requires the credit bureaus to provide you a free credit report once every 12 months. However,...

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How Opening and Closing Credit Card Accounts Affects Your ...

Effect of Opening New Credit Cards and/or Closing Existing Accounts

35% On-Time Payments. Not surprisingly, the biggest chunk of the score is your record of timely payments. If you pay your bills, you're likely to... keep paying your bills! Briefly, anything 30-days late or worse can show up here, although a 60-day late or 90-day late is even worse. If you just barely miss a due date and pay...

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How Opening and Closing Credit Card Accounts Affects Your ...

Effect of Opening New Credit Cards and/or Closing Existing Accounts

35% On-Time Payments. Not surprisingly, the biggest chunk of the score is your record of timely payments. If you pay your bills, you're likely to... keep paying your bills! Briefly, anything 30-days late or worse can show up here, although a 60-day late or 90-day late is even worse. If you just barely miss a due date and pay...

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Free FICO Score For Everyone via CreditScoreCard, No ...

Discover has rolled out a new service called Credit ScoreCard , which provides everyone access to their FICO score for no charge with no trials or credit card relationship required. (Well, free in exchange for right to market things to you based on your personal information.) Checking your own credit does not impact your credit score. This post provides updated information and instructions...

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Got Good Credit? Rent It Out For Cash! — My Money Blog

April 27, 2007 By Jonathan Ping 41 Comments

You have bad credit. You want to buy a house. Why bother with such old-fashioned ideas like paying off debts and slowly building back your credit? You want that McMansion now! All those other sub-prime defaults are just crimping your style. Well, now you can simply buy good credit! Or more accurately, rent it.

It's been a well-known practice for parents...

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Credit Karma Tax: Free Federal and State Tax Software ...

Credit Karma is expanding beyond free credit scores and free credit monitoring. Beginning in January 2017, they will offer completely free Federal and State tax preparation software with free e-File and no income restrictions. You must first join CreditKarma.com and then you can reserve a spot for when it opens. The tagline is "$0 Federal, $0 State, $0 Always. Truly Free Tax Returns." Here's an...

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Why You Shouldn’t Use Debt Settlement Agencies — My Money Blog

November 19, 2010 By Jonathan Ping 24 Comments

The following is a guest post from reader Daniel Gershburg, Esq., who writes about the inner workings of debt settlement agencies. Daniel is a bankruptcy attorney in New York and New Jersey.

Over the past several years, our economy has gone into the tank. Rampant unemployment, underemployment, in fact a near collapse of the financial system have...

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Related topics : credit card rating companies / credit card rating agencies / good credit rating cards / credit card ratings / default debt credit rating

Rule of Thumb: How Much Car Can I Afford? - My Money Blog

September 7, 2014 By Jonathan Ping 57 Comments

Here's another installment of what I would tell my kids about pursuing financial freedom. Read all of my early retirement lessons here . I've already covered housing , so the next big expense that comes to mind is cars. This is a revised version of a older post.

If you want to achieve early retirement, my rule of thumb is that you should only...

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Related topics : low credit score car finance / good credit score to buy a car / no credit check car loan / cash loan no credit check pay monthly installments / cars no credit check no money down

Lesser-Known Cheap Data Cell Phone Plans on Every Network ...

September 3, 2018 By Jonathan Ping 6 Comments

"The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone."

Updated 2019. Cell phone bills are getting cheaper than ever. Have you checked prices recently? All of the major networks sell...

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Related topics : credit check phone number / cell phone credit check / check your credit free once a year / credit check phone plan / credit check phone company