“Dear Steve, I have a really bad credit score, and I am trying to slowly but surely raise that. I have already paid all of my accounts that were in collections, and disputed two of those accounts. I am going to follow your advice and get a secured credit card, but I am a little overwhelmed when it comes to ... Read More »

Secured cards are often misunderstood. And while they are an awesome tool to use to rebuild credit, there are other advantageous uses for them as well. For example, a secured card allows you to put a shine on your credit and raise your credit score WITHOUT going into debt. People are often credit shy after having lived through a debt ... Read More »

Here is an article that caught my eye about New Millennium Bank. This is a name I recognize since they used to be a provider of secured credit cards, used to be because they have stopped, cold. Mr. Ross noted that the Bank expects to see a temporary reduction in its income from its credit card program due to certain ... Read More »

In 1990, after my bankruptcy, I wanted to avoid the use of credit. For me credit was pain because I believed that without credit I would never have found myself bankrupt. Rational or not, that’s how I felt. It wasn’t too long after that I realized that if I was going to be able to do the things I needed ... Read More »