Learn more about the benefits and the downside to credit cards. Some people can use them and some people cannot. Also be sure to check out our complete guide to utilizing credit cards.
What is Credit Sesame?
Sure, they are a credit monitoring service, like Credit Karma and many others, but that’s not all.
They offer more than the other credit monitoring services I’ve seen, while still keeping it free.
What do they offer, you ask? A free credit score, free credit monitoring and free identity theft protection.
Free identity theft protection? That’s right! And they actually offer even more than that.
Let me give you a quick breakdown, then I’ll let you go try it out. After all, it is free…
Your credit score can tremendously impact your day-to-day life.
For Example, your credit score can affect everything from obtaining a mortgage to getting a new job. This is something that most people know. But what everyone doesn’t know is how exactly your score is calculated.
The reason that this isn’t common knowledge is because the credit bureaus do not tell you exactly how they calculate your score.
Even though we do not know the exact equations used, we do know what factors can have a tremendous impact on your credit score. For example, settling your debt can impact your credit score.
Let’s see exactly how debt settlement affects your credit score…
Do you know the total credit card debt of the United States population?
793.1 billion dollars.
Now you know. And now you have a sick feeling in your stomach. At least, I do.
Does that mean credit cards are evil? Nope.
It just means people are
That’s the problem. Here’s how to fix it…
A credit score is like your in-laws.
Some are really great. Some are not so great. And some people like to pretend they don’t exist.
Well, they do exist (your credit score that is…and probably your in-laws too) and whether you have a great credit score or a poor one, there is always room for improvement.
You can always do better.
Here are some tips for improving your credit score, no matter how good or bad it is…
Spring is in the air.
It’s beautiful out, so obviously the first thing you want to do is
step outside think about your credit! Right?
Maybe not, but it’s a great time to do a quick spring cleaning.
You’re already spring cleaning “everything else”, why not clean up the thing that you buy “everything else” with. I’m joking, of course. I know you don’t buy everything with credit cards.
Or at least, if you do, you pay them off every month…don’t you? Sure you do!
Here are some simple and, most importantly, free steps to cleaning up your credit…
This is a list of 18 one-sentence tips that will drastically improve your finances. These are quick tips, but they will surely make a huge improvement if you take them to heart.
Remember, just because you have heard some of these before, doesn’t mean you actually absorbed it. Read the list slowly and see if you can implement some of these, especially things that you may have “already heard”.
Hearing alone doesn’t help. It’s about acting and implementation.
Without further ado and in no particular order, here are a total of 18 One-Sentence Tips for your finances…
Love them or hate, credit cards are everywhere, but where did they come from?
When were credit cards invented and why?
Did companies ever imagine credit cards becoming what they are today?
We all know that most people who carry a credit card carry quite a bit of debt along with it, so let’s look into the original intention of the credit card.
This is a great infographic…
You’ve probably seen the commercials. Credit Karma claims to offer you a free credit score with no strings attached.
Is it true?
This is my Credit Karma review after using it for a few weeks and though I have only been using the service for a short time, I already love it.