By Levi King A recent released survey from the Federal Reserve shows that a whopping 85 percent of small businesses experienced financial difficulties in 2021, up nearly 20 percent from 2019. And only about 30 percent of businesses got the full amount of the loans that they applied last year, down from about half in 2019. When…
8 Ways to Get the Most From a Business Credit Card
May 28, 2022
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How to Help Someone You Love Build a Good Credit Score
Dear Mary: I’ve heard that adding someone to your credit card will help that person establish a credit history, even if they do not use the card. Is that true? How would I go about doing it? — Pat Dear Pat: It is true. You would add this adult (at least age 18) as an…
Personal Credit Score Vs Business Credit Score: Everything You Need to Know (And More)
May 22, 2022
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With an estimated 99.95 percent of small business owners and entrepreneurs opting for debt financing, knowing how to prepare your business for a loan application is a must. Among the documents that a lender will review, your personal credit as well as your business credit are criteria that play an important role—both can either assist,…
How to Rebuild a Damaged Credit Score
There are many avenues that lead to damaged credit. You might have missed a few payments on an important loan. Maybe you have opened too many credit cards. You might have even defaulted on a mortgage or car loan. This may lead you to wonder how to rebuild a damaged Credit Score. However you got…
The Best Travel Credit Cards 101
Credit cards have so many benefits which make using them super rewarding. But how do you select the best travel credit cards? Travel cards are credit cards that have travel benefits and protections. When owning a travel card, you can be entitled to perks such as airport lounge access, preferred boarding, free luggage, and more…
A Step-by-Step Guide to Credit Card Churning
Christopher Luc, a Software Engineer at WhatsApp, collected 750,000 points and miles worth $11,000 by using credit cards in five years. He wrote the following step-by-step guide, hopes others can learn from his success. This is a guide on how to credit card churn effectively while minimizing the disruption to your personal life and finances. This guide…
A 6-step Guide to Building a Solid Credit Score
May 9, 2022
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By Aidan Sowa Credit rating is a crucial factor not just in securing a mortgage, credit card, or loan—it can dramatically affect everything from car insurance and mobile phone contract rates to overall employability. What Is a Credit Score? Put simply, this is a three-digit number any lender looks at to estimate how risky a…
10 Things You Need to Know About Your Credit Score
What you may not know about your credit score can hurt you. Did you know that the average American credit score is a 669-699. Sounds great right? It might sound amazing but if you, the average person, upped their credit score by 50 points, they would lower their mortgage interest rate by 0.5 percent. 20…
3 Credit Secrets Millionaires Use as Leverage
By Antoine Sallis As the old saying goes, the rich get richer while the poor get poorer, but why is it that some people seem to have the knack for accumulating wealth, seemingly without much effort? Are these people born lucky, or are they simply privileged? What’s certain is that in order to manage money successfully,…
The Real Difference Between a Personal and Business Credit Card
By Jared Hecht If you’re a business owner, there are dozens of reasons to have a credit card. For one thing, they are a great way to keep track of all your business expenses in one place. They also offer opportunities to earn points or rewards on purchases you would make anyway. Not to mention, they…
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