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  • credit inquiry

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    Credit Inquiries

    When it comes to Credit Inquires one must understand that there are two different types of inquiries. One type of inquiry will negatively affect your score, although not by too much, the other one will not affect your score. Knowing the difference between the two will help you better understand the often misunderstood topic of […]

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    How Long Do Negative Items Stick to your Credit Report?

      Negative information on your credit report can be reported for up to seven years, but sometimes longer if it is serious. The length of time noted in these bullet points means from the start time of your late payment or delinquency, not the last time you made a payment on the amount. Some collection […]

  • credit

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    Top 5 Credit Misconceptions

      We have all heard the rumors…from neighbors, relatives or friends. There are a wide variety of myths floating around about what you should and shouldn’t do to improve your credit reports and credit scores. The buck stops here! Phelps Creek Financial Coaching has exposed these urban legends to provide you with the truth about […]

  • Credit Acts

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    Credit Acts

    There are several different Credit Acts that have been legally implemented over the years to help better protect the consumer and in some cases the creditors as well. Debt Collection Act This contains information on what debt collectors are allowed and not allowed to do legally to a debtor. If you fail to make your […]

  • credit

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    Your Credit Score

    Credit Scoring is kind of like a report card. It is a mathematical formula based on how you have paid your bills, what you are still owing on your bills and other financial information all related to your credit. Most every bit of information that is created when you use credit either creates a negative […]

  • credit history

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    Your Credit History

    We have already revealed how your credit history makes up your credit score and thus is usually the main indicator in determining your credit worthiness. So this would tend to lead to the conclusion that all of your credit history in particular the last 7 to 10 years would be what is of concern. While […]

  • credit rights

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    Your Credit Rights

    Government has implemented various consumer credit rights to help protect each and every consumer from credit bureaus business. These help to not only keep the consumer safe, but also help to keep the credit bureaus honest and in good order. Knowing them is very important when trying to do anything yourself with regards to your […]

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    Southwest Airlines Credit Card Review

      Southwest Airline’s new credit card program called Southwest Airlines Rewards Plus Credit Card offers a variety of rewards. The airline has partnered with JPMorgan Chase to bring its customers opportunities for free airline tickets, free hotel rooms, travel-related discounts, and many more rewards. This credit card is perfect for those who travel frequently.   […]

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    United Airlines Credit Card Review

      United Airlines has partnered with Chase to create a new airline credit card, which has special deals on free airline tickets for each eligible dollar spent. The Chase United Mileage Plus Explorer Card also has a special deal for businesses to earn extra travel-related rewards. United even offers special Mileage Plus cards for international […]

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    How can I get started earning free travel?

      One of the most expensive parts of a trip is the flight, so the first part of my vacation that I try to get free is the flight. In the last four years, my husband and I have earned and used over 75 free roundtrip tickets, and have paid for less than 10. Many […]

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