Rebecca Spitzer

For People with No Credit: 5 Tips on How to Establish It

If you are just starting out on building your credit, you want to be smart about building good credit from the beginning. Too many people rush into the world of credit and don't stop to think about how their actions will affect their credit score and abil... Read >

After You Apply for a No Credit Credit Card, Use It Wisely: Here's How

When you are first establishing your credit, you can make a huge difference in the quality of your credit report with some seemingly insignificant actions. Your credit report contains information that is used to create your credit score. Companies use you... Read >

How to Improve Your Credit Score under the New VantageScore System

Poor credit is such a common thing among Americans that the three major credit bureaus have introduced a method for helping consumers to get out of debt. The VantageScore system was introduced in March of 2006 and made available to all merchants who repor... Read >

5 Things You Should Know About 0 APR Credit Card Offers

When you get a credit card offer in the mail that says you are pre-approved, what is the first thing you look at on the letter? The interest rate, right? And when you get an offer from a credit card company after filling out an application either through ... Read >

Why Paying Your Income Taxes with a Credit Card Is a Rip Off

If you own your own business or have not been deducting enough from your paychecks each week, you will probably owe some income taxes when tax time rolls around. This is never fun, and if you do not have the money in your checking account right now, you m... Read >

Why Credit Bureaus Are Ripping You Off…And How to Beat Them

When you pay your credit card bills, your loan balance, or your medical bills, this information is recorded and sent to credit reporting agencies, or credit bureaus. It is their job to keep track of your credit history and other information about your lif... Read >

What's Your Credit Score? Not Knowing Could Cost You

When you go online and apply for a credit card, how can you get your results in a matter of seconds? The answer is your credit score. This little number packs a big punch and can make the difference between getting approved for a car loan, a great rate on... Read >

Why Owning a 0% APR Card Could Spell Disaster

Almost everyone gets the offers in the mail for credit cards that claim to provide 0 percent interest. These offers are incredibly tempting, and on the surface they look like a good idea. You could transfer your outstanding balances, buy that big-ticket i... Read >

Transferring High Interest Loan Balances to 0 APR Credit Cards

For many people, qualifying for a loan is difficult. It seems to take nearly perfect credit in order to get an interest rate that is tolerable. The rest of the world is stuck paying exorbitant rates to borrow money, making the cost of that car or home muc... Read >

Your Rights under the Fair Credit Billing Act

If you have ever received your credit card statement and found an error, you know how frustrating it can be. You either call the credit card company and they say you need to talk to the merchant. You call the merchant and they tell you to call the credit ... Read >

5 Things You Should Know Before You Apply for a Contactless Credit Card

Waving your credit card in front of an electronic sensor like a magic want to pay for goods and services sounds too good to be true. But as long as you are willing to pay the bill when it comes, this technology is available to you today. If you can qualif... Read >

5 Tips for Finding No Credit Credit Cards

Millions of people have trouble with their credit each year. From late payments to bankruptcies, families and single individuals work to overcome their poor credit histories and find a way to get along in this world of fast cash and credit card payments. ... Read >