Credit Score

If you have a spotty credit history and you’re working to turn your finances around, you may be wondering how to remove negative items on your credit report. Late payments, charge-offs and overdue account citations can all count against you. There are, however, a few ways to remove past mistakes, one of which is a pay for delete letter. A pay for delete letter is a...

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Before we talk about high-limit credit cards, let’s review what a credit limit is. In short, it’s the maximum amount you’re allowed to spend on the card without being subject to a penalty or paying off at least some of your balance. Targeting a high-limit credit card can be a tricky business, since your credit card issuer determines your credit limit when you apply for a card....

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What is Identity Theft? Identity theft is a crime where someone steals your personal information—such as full name, Driver’s License number, or Social Security number—to commit fraud. According to the FTC, identity theft is most often used for credit card fraud, tax fraud, and phone or utilities fraud. It can also take the form of medical fraud, loan or lease fraud, and bank fraud. In all...

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