MyCreditScoreCoach

Credit Assistance Network review Basics. Credit Assistance Network is a well-regarded credit repair service that provides debt validation, identity theft resolution, debt disputes, among one of its many services. Although it hasn't been in business for as long as a few competitors (founded in 2004), clients who use it have positive things to say about it. The...
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Sky Blue Credit Repair Service review Sky Blue Credit has helped people repair their credit for over 20 years. It is considered one of the top credit repair service providers in the U.S. Why people like it. Clients who have used Sky Blue like it for its transparency in terms of payments (no hidden unexpected fees), money-back...
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Fidelity Investment Rewards American Express card review The American Express Fidelity card allows users to redeem up to 2% of all spending to a savings in a Fidelity account (Fidelity IRA, 529, brokerage, cash management, or split among multiple accounts). The great thing is that there is no limit to the amount of awards, so if...
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Chase Freedom MasterCard  review The Chase Freedom MasterCard is excellent for accumulating points. You get 1 point for each $1 spent. In addition, the Freedom MasterCard offers rebate levels by season. It divides the year into 4 quarters (e.g. Jan-Mar; Apr-June; etc) and offers 5% rebate on different categories. For example, it often offers 5%...
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American Express Hilton HHonors card review The American Express Hilton HHonors card has rewarded me well. I first got it in 2000, after a stay in its Paris hotel. For each dollar spent on the card, you get 5 points. Points can be exchanged for stays at Hilton family hotels, flights, and various gifts. I...
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Discover Open Road Card review I personally have the Discover Open Road card, which I got in 2008, when gas reached $4/gallon for the first time. At that time, this gas rebate card offered 5% rebate for all gas purchases, regardless of the station you used. I could have signed up for a separate card...
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Trying to rebuild your credit history after declaring bankruptcy can be a huge challenge.  Rebuilding your credit history will take time and patience; this will not happen overnight. The good news is that it can be done as many have done it. One good – and somewhat surprising news – is that the time to...
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Reward cards are a great way to rack up points for airline miles, earn cash back, and get in on some great deals. Many people have found these cards to be a very lucrative way to get rewarded for making everyday purchases. Although you can get free airline miles or money back from using rewards...
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Debt settlement plan to avoid default. If you have fallen behind in your loan payments, you must work with your lender to come up with a debt settlement plan that’s reasonable and affordable. If you can consistently make six months of payments on time, you may qualify for a default. The default does not excuse...
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It is important to stay on top of your credit score to ensure that you are keeping your score as high as possible and to ensure that your credit score is an accurate representation of your credit history.  The Fair Credit Reporting Act (FCRA) legislation has made it much easier for people to keep track...
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Here are some simple but effective ways to improve your credit score: Check your credit report once a year. You can't fix errors or identify problems in your credit report if you don’t know what your status is. A person is legally entitled to one free credit report once a year and if he is...
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Factors impacting credit score.  The five components of a credit score are – 1) payment history; 2) outstanding debt; 3) credit history length; 4) new (recent) credit; 5) credit type. 1) Payment history (35%). First and foremost, lenders want to see that an applicant pays bills on time. The score is impacted by the number...
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Building credit history. Building your credit history is important because many activities – renting an apartment, borrowing a car from a rental agency, getting a mortgage, and even getting a job – relies on having a good credit history. If someone does not have a major credit card, it can be difficult to make purchases...
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Here are some rights you have as a credit card sonsumer if you run into debt problems: Protect yourself. Certain laws that protect people with bad credit exist. The Federal Legislation and several credit specific legislation, including the Fair Credit Reporting Act (FCRA), protect you from collection agencies and creditors. If a creditor or collection agency...
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The four major credit bureaus that influence your credit scores are Experian, TransUnion, Equifax, and Innovis.  Experian, which used to be known as CCN Systems, is a global credit information group that operates in 36 countries.  It is the largest of the four credit bureaus.  Its headquarters is in Dublin, Ireland and its databases contain...
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What's a credit score?  A credit score is a statistical figure lenders use to determine the probability of a person to pay back funds he has borrowed within a specified period. Upon receiving personal information from a loan or credit applicant, a lender will send the information to a credit rating agency (e.g. Transunion, Equifax,...
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