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Here are articles that my sister and I have written. Ok…a few friends may contribute from time to time! We hope you find them useful in transitioning into a debt free lifestyle! Please keep in mind that by using prepaid services, you are not accumulating more debt!

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Know More About Bad Credit Unsecured Credit Cards

Secured credit cards are one of the best ways to improve your credit, but they require a security deposit.  This can be a major impediment for people who are getting back on their feet after a long period of unemployment, illness or some sort of financial hardship. But in our society you need a credit card or debt card just ...

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What Benefits Can You Get from Merchandise Cards

Merchandise credit cards are an alternative way to build credit.  These cards can only be used to purchase items inside the companies catalog.  What is nice about this is that they give large lines of credit and some of them report to the credit bureaus.  They are also extremely easy to get.  Most don’t require a credit check.   What are ...

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How to Choose the Best Secured Credit Card For You

A secured credit card is a type of credit card for people with bad credit and no credit history.  Approval for this account is not based on the applicant’s credit history or score.  Rather, obtaining a secured credit card depends on your capability to submit the required security deposit. Some issuers of secured credit cards require a minimum of $200 ...

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Can Debit Cards Get You Into Debt?

Some people are hesitant to use prepaid credit cards, afraid that the costs of these cards will only lead them futher into debt. However, prepaid debit cards can actually be great alternatives to regular credit cards. In fact, prepaid debit cards are credit cards which can be used for establishing credit history and for repairing bad credit.

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Raise Your Credit Score with a Secured Credit Card

Your credit score effects not just your ability to get a loan, but more and more employers are pulling credit to help make hiring decisions.  Landlords pull credit reports when making the decision to rent to you or not, and how much of a security deposit would be needed. Even when you apply for car insurance they are pulling your ...

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