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Home Page of Credit Questions

This page links to all of the Articles in the Blog

I have several sections in this blog.  We start with Basic Credit Articles.  Then I have a group of articles on Building Credit, more on Managing your Credit, Identity Theft, and finally some Random Credit Articles.

Links to Basic Credit Articles

What is Credit?

 What is difference between your Credit Report, Fico Score, and your Credit Karma Score?

Why is your Credit Score Important?

How are Credit Scores Calculated?

Where to get your Credit Report/Score for Free

Why are Credit Cards Important?

Debit Card Advantages and Disadvantages

Debit Card Debacle Debit Card Fees

The Credit Card Minimum Payment Trap

Student Loans and Debt

Links to Building Credit Articles

Building Credit with No Credit History

What is a Secured Credit Card?

Secure Credit card Special Note

What is a Credit Builder Loan?

What is an Authorized User?


Links to Managing your Credit Articles

Managing your Credit Cards with Auto pay

Credit Card Cash Advances

Zero Percent Credit Card Offers

The Tenth/Twenty-fifth Credit Card Game

OOPS I missed a Payment

How the Minimum Credit Card Payment will Break You

Credit Card Statement Dates

Never make Charges on a Credit Card with a Balance

Never Pay an Over limit fee on your Credit Card

Cosigning a Loan for a Friend

Quickly increase Your Credit Score

Credit Card Safety Measures

Another Debit Card Horror Story

My Credit Cards were Declined

How Credit Karma Works

Credit Card Fees and How to Avoid Them

Identity Theft Articles

Collection Agency Articles

Dealing with Collection Agencies

How Collection Agencies Work

Never Pay a Collection Agency? Check this Out


Links to Collection Agency Articles

Dealing with Collection Agencies

How Collection Agencies Work

Never Pay a Collection Agency? Check this Out

Random Articles

Urban Myths about Credit

How Wealth is Created 1970 to 2022

Delayed Gratification and Your Credit 

Rental Real Estate Wealth Advantages

Delayed Gratification Rich Middle Class or Poor


*****Why I should not have written this book…

****Johnny A–never help someone with no credit




4a ****#1 Rule of Credit

****Some hard and fast rules about Credit

****Cash Crisis?

****Credit Trap Mistake???

****The Pawn shop Trap

****The Payday loan and Pawn Shop Trap.





****What is an Authorized User

****How to become an Authorized User




****Debit Card Fees–Bank Fees


****How To Get Late Fees Reversed

******Credit Card Statement Date

****Changing the Statement Date 


8 The Financial Goal





Appendix

****Keys to a long and healthy life


****Monger Books

****Commercial Property Rental rates

****Fairly simple metric on house prices.  

****Keys to a long and healthy life

****Cash Crisis?


****The Payday loan and Pawn Shop Trap.


****Dave Ramsey Rant---

***What is a Personal Loan?

****The Dave Ramsey story

****What is  financial ground zero

****Financial Independence

**** xxWhat is the most dangerous thing about building good credit?

****xxWhat is the FIRE movement?

****Financial Responsibility

****What is Broke?

****Zachs Credit Story

**** Creating a Credit Card Financial Disaster


****How to Improve a Bad Credit Score

****Collections

****Bankruptcy 


*****Credit Card Fees

****Annual fees

****Returned Check fees

****Lost Card fees

****Overlimit fees.  

****How To Get Late Fees Reversed

****Credit cards when traveling around the US

****Credit Cards when Traveling Internationally

****What is a Credit Card Transfer?

****What is different with Military Service Members Credit?

****Is it legal to have negatives removed from your credit report?  

****Who can access your credit history?

**** What is the difference between a hard credit check and a soft credit check?

****What Factors cannot be used to figure your credit score? Age? Race? Sex?

****Does your Race or Sex figure into your Credit Score?

****What is a good credit score and what is a bad score?

****Does my Credit Score affect my Car and Home Insurance rates?  

****How long will a missed payment affect my credit score? 

****How much will a missed payment affect my Score?

****Never spend on a credit card with a balance.

****The Car insurance Monthly payment Trap

****How does a Rent to own furniture/appliance dealership work?  

****Personal Loans

****Heloc Loans

****Does my income impact my credit score?


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