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Credit Repair

Which Credit Cards Are Best for Building Credit?

September 21, 2014

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 […]

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

September 14, 2014

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 […]

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

September 12, 2013

Update: The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here.  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 report from. There are three main credit bureaus or credit reporting […]

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Equifax Hit With Suit on False Credit Report Items – And What You Can Do To Protect Your Credit

July 30, 2013

Your credit score is the key to everything from getting the best points-earning credit cards to securing a loan for a home mortgage, so it’s imperative that you not only monitor it to make sure it is healthy, but that you also go over it in detail to make sure the information on it is […]

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

July 28, 2013

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 […]

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Sunday Reader Question: Disputing Negative Information on Credit Reports

September 9, 2012

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 […]

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My Credit Confessions and 8 Tips to Improve Your Credit

August 31, 2011

I have a confession to make: I haven’t always been a good boy when it comes to credit. In college, I discovered the seemingly wonderful world of credit when MBNA (now owned by Bank of America) issued me a nifty University of Pittsburgh MasterCard with a whopping $5,000 credit limit. Spring break anyone? In fact […]

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