Capital One Introduces Credit Tool That’s Available to Everyone

Your credit score is one of the most important numbers associated with your name. And with credit cards being one of the easiest and quickest ways to earn points and miles, it’s extremely important that you monitor your credit score and keep it in good standing. Actually obtaining your credit score has been somewhat difficult in…

Which Credit Factor is More Important to My Overall Score?

TPG reader Kevin emailed me to ask about credit scores: I have two conflicting dings on my credit report: a low average age of accounts, and a low number of accounts. If I add more accounts, the average age will go down, so will it help me or hurt me overall? For people without a lengthy credit history, building…

5 Lesser-Known Things that Affect Your Credit Score

Earning points and miles through a variety of lucrative credit card bonuses can open up tons of amazing travel options. But to really work this hobby to your advantage, you need a solid credit score. Today, TPG Contributor Vikram Birring goes back to basics with a look at several things that you may not even…

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,…

Travel Rewards Strategies for People with Low Credit Scores

Travel rewards cards can be incredibly lucrative, and while the best sign-up bonuses often require high credit scores and unblemished borrowing histories, you can still get into the game even if your credit record isn’t sparkling. Today, TPG Contributor William Morse explains how your credit score is calculated, and offers strategies for would-be award travelers with less than perfect credit. Credit Score Basics Credit…

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,…

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…