August 2, 2019
It takes a lot of work to achieve an excellent (or exceptional) FICO score. While it doesn’t come overnight, it’s well worth it in the long run. According to Experian, a FICO score of 800 or higher is considered excellent. Only 21 percent of people have an excellent credit score, but those who do are in position to take advantage of many benefits. Here are five ways to benefit from an excellent FICO score in the future: 1. Get a
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July 22, 2019
A good credit score isn’t something you achieve overnight. It takes hard work, dedication, and a sound financial approach to take your score to new heights. If you have little to no credit history, it’s common to become frustrated with your situation. No matter how hard you try, you can’t seem to make as much progress as you would like. For example, you may struggle to obtain an unsecured credit card. After all, credit card issuers typically want to do
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July 15, 2019
It’s one thing to show interest in a student credit card, but another thing entirely to make the right decision at the right time. Student credit cards are designed for consumers ages 18 to 22 with limited or no credit history. Do You Qualify? As a result of the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009, credit card issuers were forced to make changes to marketing practices and the type of consumers they target. Here are a
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July 10, 2019
Are you interested in applying for a student credit card? Are you ready to make your move, but have some concerns about how it’ll impact your finances? With so many benefits (more on this below), you may soon realize that a student credit card is just what you need to improve your financial circumstances. If you’re hoping to apply for and secure a student credit card in the near future, answer these five questions as soon as possible: 1. How
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July 5, 2019
Is your college age child interested in applying for a student credit card? Are you concerned about their ability to manage their spending in a responsible manner? Are you hesitant about co-signing? There’s no denying the fact that co-signing on a student credit card for your child is a big decision. Not only are you on the hook if something goes wrong, but you may also have legitimate concerns about your child’s ability to manage their spending. However, there are
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June 25, 2019
It’s no easy task to build an excellent credit score. It takes many years of using your credit, paying your bills on time, and avoiding costly mistakes. Once you reach this level, don’t just sit back and enjoy the fact that you’re on top. Instead, search for ways to use your excellent credit score to improve your finances and save money. Here are five top benefits of an excellent credit score: 1. Search for the Best Available Credit Card Offer
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June 18, 2019
As a business owner, one of your biggest responsibilities is managing the financial well-being of your organization. While there are many decisions to make, here’s a question you should address the first chance you get: does it make sense to apply for and use a business rewards credit card? Before we go any further, it’s important to note that business owners with very good or excellent credit are most likely to receive an approval for this type of offer. Here
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June 11, 2019
Regardless of your credit history and score, the internet has made it simple to find and compare offers. However, you’re in much better position if you have excellent credit. Not only does this give you the confidence to find the right offer, but it also ensures that almost every issuer is willing to approve your application. According to Experian, a score of 800 or higher lands you in the “excellent category.” This will aid your online credit card search in
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June 4, 2019
In today’s world, you have access to more credit card offers than ever before. While this improves the likelihood of applying for the perfect card, it also complicates the search process. View Cards Fortunately, you’re not alone. CreditSoup is designed to help you find, compare, and apply – all without the hassles typically associated with doing so. Since 2000, CreditSoup has helped more than 500,000 people with their credit. When you combine its history with a powerful website full of
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May 28, 2019
If you have poor (under 580) or fair (580 to 669) credit, you typically have to take what you can get when applying for a credit card. In fact, you may even have to rely on a secured credit card (requires a cash deposit as collateral) until your score is high enough to obtain an unsecured credit card. Conversely, if you have good or excellent credit, there are many more offers to consider. Knowing what to look for will go
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May 20, 2019
There are many benefits of excellent credit, including the power you gain when negotiating with your credit card company (and other creditors). Since you have an excellent credit score, your credit card company doesn’t want to lose your business. In fact, they want to keep you happy for as long as possible. With this in mind, you have the upper hand when negotiating with your credit card company. Here are some of the points to negotiate on in the near
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May 18, 2019
According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit card offers designed for every type of consumer, regardless of credit score. For example, if you have poor credit, you can use a secured credit
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May 15, 2019
As your small business grows, the way you manage your finances is sure to change. If you’ve yet to consider a business credit card, now’s the time to turn your attention in this direction. Just the same as a personal credit card, there are hundreds of offers to consider. Some of them will pique your interest, while others won’t do much to get you excited. Regardless of what you’re searching for, here are three tips you can follow: 1. Start
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May 10, 2019
If you have poor (under 580) or fair (580 to 669) credit, you typically have to take what you can get when applying for a credit card. In fact, you may even have to rely on a secured credit card (requires a cash deposit as collateral) until your score is high enough to obtain an unsecured credit card. Conversely, if you have good or excellent credit, there are many more offers to consider. Knowing what to look for will go
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May 7, 2019
According to Experian, an excellent or exceptional credit score falls between 800 and 850. While only 20 percent of consumers have an excellent score, if you’re lucky enough to reach this level it will provide you with a variety of financial benefits. This is particularly true when applying for a credit card. There are credit card offers designed for every type of consumer, regardless of credit score. For example, if you have poor credit, you can use a secured credit
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April 30, 2019
Do you have an excellent credit score? Are you aware of how much good this will do you when applying for a credit card? With excellent credit, you’ll qualify for almost every credit card offer imaginable. This allows you to more easily find an offer that suits your many requirements. However, there’s something to remember: it only takes one financial mistake to harm your credit score, thus making it more difficult to secure one of the best cards on the
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April 22, 2019
A cash back credit card is exactly what it sounds like. With this, you earn cash back for every dollar you spend, thus giving you something of value in return for using the card. With the popularity of cash back credit cards on the rise, there’s no shortage of options. While this allows you to find the card that’s perfect for you and your financial habits, it also makes it more difficult to consider each and every offer. Here are
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April 15, 2019
It takes a lot of time and dedication to achieve an excellent credit score. Once you reach this goal, it’s time to put all your hard work into action. With excellent credit – defined by Experian as a score from 800 to 850 – you gain access to the best credit card offers. Furthermore, you can secure the lowest interest rates, top of the line perks, and killer rewards. What to do Next It’s important to use your excellent credit
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April 2, 2019
Do you have excellent credit? Are you interested in applying for a credit card? Do you know what to look for? Learn how to apply for the best excellent credit credit cards. When it comes to applying for a credit card, excellent credit gives you access to almost every offer imaginable. Not only does this provide you with more options, but it increases the odds of securing a credit card that suits your every want and need. While every excellent
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March 26, 2019
Maybe you’re interested in applying for your first credit card. Maybe you’ve been using your credit card for as long as you can remember. Or maybe you’re ready to make a change from your current card. Regardless of your situation, there’s a good chance you have a few questions on your mind. Here are five of the most common: Which credit card is right for me? This is a common question asked by consumers who don’t have any experience with
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