Expert advice on keeping your credit score golden
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#1 Mar 4, 2009
I disagree with the idea of not closing unused accounts.
Recently I was rejected for a Gulf Card; and the reason was that I had too much credit; not bad credit.
The days of people getting hundreds of Credit cards are over.
Banks and stores are closing unused accounts to prevent people from charging; then being unable to pay.
Card companies are laws unto themselves.
#2 Mar 4, 2009
I could have hit the roof when I read Suzie Orman's quote about the dangers of using home equity to refinance credit card debt. That statement is true for some cases and false for other cases. It's a way to general statement made by a media personality. Using home equity to finance credit card debt is a great idea if one could afford to make such a move. If one is not in danger of foreclosure or heavily weighed down with debt, it's a safe financial action to take if one could work out a long term payment plan to meet financial responsibilities. If one is one the edge of total fiscal failure, using home equity to finance credit debt is a dumb and dangerous idea. If one is fiscally healthy it is the quickest way to pay down debt. Nevertheless everyone is in different financial situations so it's a bad idea for some, and a good idea for others.
Since: Feb 09
#3 Mar 10, 2009
Stacy Francis did not reply to email asking for her source regarding credit score use by employers.
#4 Mar 26, 2014
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