Have you ever stopped to think how many tens of thousands of credit applications are processed daily? Have you experienced those busy signals and that feeling of helplessness created by being put on hold while trying to get to the bottom of a billing mistake with your creditors credit department? There is a simple answer [...]

1. How much do you spend using your credit cards? The higher your balances on your credit cards are as in relationship to your available credit limit, termed “Proportion of balance to high credit limit”, the lower your credit score will be. The credit score calculation allows for 35% of your credit score to be [...]