Credit Cards After Bankruptcy—Be Sure Your Credit Cards Aren’t Hurting Your Credit Score
After bankruptcy, you will certainly be bombarded with offers for credit cards after bankruptcy. These credit card offers may even have “guaranteed approval,” making them enticing for people trying to build credit after bankruptcy.
But beware! The banks are failing to disclose [...]
In my last post, I discussed when to apply for a mortgage jointly and when to apply individually. In this post, we talk about the final consideration of marriage and credit.
Marriage and Credit Consideration #4: Leverage Your Spouse’s Credit Score
Is your credit bad? Consider the bankruptcy facts. If you went through a bankruptcy prior to [...]
Posted in Blog, HOW TO RAISE YOUR CREDIT SCORE 
Tags: credit scoring, marriage and credit 
No Comments »In my last post, I talked about the second of four marriage and credit considerations. In summary, each spouse should build his or her own credit score.
In this post, we talk about the third consideration of marriage and credit.
Marriage and Credit Consideration #3: A Wise Approach to Mortgages
Though applying for joint credit cards [...]
Posted in Blog, HOW TO RAISE YOUR CREDIT SCORE Tags: credit scoring, marriage and credit 1 Comment »In my last post, I talked about the first of four marriage and credit considerations. In summary, a married couple should not open joint credit cards. Opening separate credit cards allows couples to leverage each other’s credit during financial crises by protecting one person’s credit score.
In this post, we talk about the second consideration of [...]
Posted in Blog, Credit Cards, HOW TO RAISE YOUR CREDIT SCORE Tags: credit scoring, marriage and credit 3 Comments »When it comes to marriage and credit, you have two choices: open joint accounts that appear on both spouses’ credit reports, or keep your credit separate. Many people erroneously believe that they should take the former approach, but keeping credit separate has its definite advantages. Following is the first of four considerations I will blog [...]
Posted in Blog, HOW TO RAISE YOUR CREDIT SCORE Tags: credit scoring, marriage and credit 1 Comment »Bankruptcy Facts / Credit After Bankruptcy Question #1
Question Submitted by: Rodney, Phoenix, AZ
I recently was advised by a real estate expert to declare bankruptcy but not go through with it in an effort to save my home from foreclosure. I filed the forms but never followed through as directed, I lost my home, and [...]
How to Recover After a Bankruptcy—Bankruptcy Facts Part 3
There is no shortage of information for people who want to move past the bankruptcy facts and recover by building a better and stronger future. Countless blogs are devoted to the subject, libraries have shelves and shelves of books, and free teleseminars offer counseling on how [...]
How to Recover After a Bankruptcy – Bankruptcy Facts Part 2
Time to continue applying the bankruptcy facts so that you can recover from the circumstances that caused the bankruptcy and stop suffering from the bankruptcy! A lot of people think that credit repair after bankruptcy is impossible, so they simply stop being proactive. But the [...]
Bankruptcy can be a staggering blow to your financial stability as well as your confidence, and you might think you will never qualify for a loan after bankruptcy.
Let’s start by talking about the bankruptcy facts. If you are like most people, you might feel hopeless and embarrassed. But declaring bankruptcy does not brand you a [...]
Credit cards and bankruptcy are like peanut butter and jelly.
In January 2010, the nation’s credit card debt reached $864.4 billion, according to the March 10 Federal Reserve Statistical Release on consumer credit. This number is expected to grow to $1,177 billion by year’s end.
And guess what else is on the rise? Bankruptcy, which increased 28 [...]
