One Cent At A Time

A Personal finance blog for saving money and earning more and thus having a better life

5 Doable Ways to Prevent Bad Credit

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How you use your credit is an essential part of your financial history. Undeniably, lenders and credit card issuers use your credit score to determine whether or not you are qualified for a loan. Besides that, landlords may also use your credit report to know if you will be a good tenant. Even some of the employers also use this number to determine if you are good in financial decisions.

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With that said, you should maintain a good credit score and or at least prevent bad credits. To help you get started, here are five doable ways you can do to manage your credit history.

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Credit cards For those who don’t have credit Score – How to Get one

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Having a credit card helped me establishing my credit when I first landed in the US in 2005. I started from no credit to 800+ FICO score in 7 years. Having 4 credit cards (starting with a secured credit card from BofA) and one car loan helped me reach there, along with on-time full balance payment throughout. So, credit cards help in increasing credit score.

How to get a Credit Card

In this article point the how you can secure a credit card to better your score. While reading this, do keep in mind that credit cards are fool’s poison. A wrong use can ruin your life. Especially if you have had problems paying credit card dues, I’d advise you not to use credit cards again. Else, continue with the article and I’d help you securing a credit card even if you now have a bad credit.

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Why Are You Still Concerned About Your Credit Score

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Previously I wrote multiple articles on credit score, including How to improve credit score. This guest post from Joshua may force you to think about credit scores from a different perspective. Enjoy the post!

Credit Score

Hey everyone, I’m Joshua Rodriguez…you may remember me from my debut post a month or so ago. Today, is my 3rd post here and going strong!!! I love the comments you all leave so, please keep them up.

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How To Improve Your Credit Score

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Most people think that a credit rating is a fixed score that can’t be changed. After all, it’s based on your historical record with various forms of credit, and many of these credit lines will have been finished or cancelled. Learn more about credit score.

Credit Score

However, you can always affect your credit score, and all it really takes is a few hours in front of a computer, the help of the free credit report and a little bit of knowledge. You’ll have to provide the computer, but read on for the know-how. There are very simple steps to increase your credit rating.

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