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Thinking of taking advantage of a balance transfer credit card offer you received in the mail? You might want to wait until after February 22, 2010 to do a balance transfer.

The reason being, after February 22, credit card companies have to apply any extra principal paid to the credit card balance with the highest credit card rate. 

Here is an example: You have a credit card balance of $10,000. For

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Bad credit car loan applicants should check their credit reports first as they can raise their FICO scores by disputing the errors they find and having that same information corrected on their credit reports.

Boosting your credit score

At Auto Credit Express, we are in the business of working with our applicants to help reestablish their car credit and improve their FICO scores by financing either a new or a newer pre-owned vehicle with a bad credit car loan through high risk lenders.

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For so many of us, paying the monthly bills can feel like a game of tug of war. Allocating money to one bill means there’s not enough to put toward another. So which is more important: your credit card or your mortgage? More people are answering that their credit card bill is higher on the priority list than their mortgage. A recent TransUnion study shows that the percentage of people current on their credit cards but delinquent on their mortgages is 6.6%. The percentage of people who are current on their mortgages but delinquent on their credit cards is 3.6%. 

What have the credit card companies done to us?

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Let’s say it’s 8 p.m. on a weekday. Or 2 p.m. on a Saturday. Or maybe 3 a.m. in the middle of a night when you can’t sleep. Whatever time it is, assume it’s a time when you have an hour or two free — you can do whatever you want. What would you do?

If you’re like me, you don’t always do what you should do — something that would move your life forward, or at least relieve some stress, rather than something that just provides a temporary squirt of pleasure. I may read yet another book about World War II rather than work on an article that’s due. I’ll let myself get sucked down the email rabbit hole instead of transferring that IRA to a better broker. I’ll turn on ESPN a

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You may know how many credit cards you have in your wallet, and how much you owe on each. But do you know what your credit rating is? Or why it might be important? Here’s the low-down on high credit scores.

Credit history matters

Your credit history is looked at by lenders to determine if they want to lend to you or not. The three major credit bureaus in this country (TransUnion, Equifax, and Experian) compile your credit history and share it with the credit card companies and lenders you have submitted credit applications to.

Credit scores are based on your credit history

If you have credit history, you have a credit score. O

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