Credit Card Strategies for Mortgage and Home Loan Applicants

Today, TPG Senior Points & Miles Correspondent Jason Steele looks at how the pursuit of travel rewards can impact your credit score, and ultimately your mortgage and other loan applications. Part of the bedrock of award travel is learning to take advantage of credit card sign-up bonuses. However, if you anticipate applying for a home mortgage or refinance,…

Your FICO Score and Which Credit Cards Offer It Free

Building a good credit score is important if you want to get approved for the best travel rewards cards. Today, TPG Contributor Richard Kerr explains the significance of your FICO score, and which credit cards can help you track it to better maintain your credit rating. After a Social Security number, a FICO credit score is perhaps the most important number assigned to Americans,…

Which Credit Cards Are Best for Building Credit?

TPG reader Martine asked me on Facebook: “I just completed paying off my consolidated debt and am looking to build my credit, if possible with some type of rewards credit card. My credit score is 694 with Transunion, but 744 with Experian.  Do you have any recommendations?” Maintaining a high credit score is critical if…

Should I Call if I Don’t Get Instant Credit Card Approval?

TPG reader Brian asked me on Facebook: “If my online credit card application isn’t approved instantly, is there any benefit to calling the reconsideration line right away rather than waiting until I receive a yes or no decision? Would it be better to wait and then call if the decision is no?” Applying for credit cards…

Which Credit Reporting Agencies Banks Use To Pull Your Credit Report – And Why It Matters

Update: Some offers mentioned below are no longer available. View the current offers here – The Enhanced Business Gold Rewards Card from American Express OPEN, The Platinum Card from American Express One of the most important things to know when applying for multiple credit cards at a time is which credit bureau each bank pulls your credit…

How Can I Save My Credit Score After a Late Payment?

TPG Twitter follower Eddie made a very late payment on one of his credit cards and is worried about how it will affect his credit score: “‪@thepointsguy‬ I accidentally forgot and paid my Club Carlson Business Visa bill 36 days late! How do I save my credit score?” When I saw this tweet come in…

Sunday Reader Question: Disputing Negative Information on Credit Reports

TPG reader David asks: “My wife recently had trouble getting approved for cards. I got a copy of her credit report and found out that there have been a number of late payments on her student loan, which her parents are responsible for. Have you had any history or know if that is something that…