Stephen Snyder

How to Legally Get Up to 30 Extra Days to Pay Your Credit Card Bills

It seems simple enough.So simple that you've probably overlooked it.I know I did.This little trick I'm about to reveal to you never even occurred to me until I switched to using my American Express (AMEX) card as my primary spending card.I started using A... Read >

Why Your Credit Report Will Never Be Right

You're getting ready to make a major purchase on credit and want to get the lowest interest rate possible. You know that paying down your credit cards will increase your credit scores.So that's what you do.You collect all your recent credit card statement... Read >

Renting an Apartment After Bankruptcy

OK, so if you're bankrupt and you absolutely need to rent an apartment here's what I would do:• Purchase your FICO credit scores. You'll see why in a minute.• Make a list of all the apartments you're interested in renting.• Call each apartment compl... Read >

What to Do When Your Credit Card Interest Rate Increases

"I was just informed the interest rate on my credit card is jumping from 10% to 29%. I've never made a late payment. I called my bank and they told me it's because some of my other credit accounts were highly utilized."That's exactly what happened to my f... Read >

Advice for Couples Headed for Divorce After Bankruptcy

Staying married is tough. That's one of the reasons so many people give up.But staying together after a bankruptcy is really tough. Not only do you have your personal issues to work through, but you're constantly getting conflicting financial advice that ... Read >

Is it Better to Buy or Lease a Car After Bankruptcy?

If you want to get approved at the best possible terms when buying a car, it's important you know a car lender's credit guidelines before you apply for credit...especially if you're bankrupt.It will save you time and frustrationâ€"but more importantly, it... Read >

Can a Personal Bankruptcy Prevent You From Getting a Job?

Personal bankruptcy? Kiss your dream job good bye...For quite some time, it's been standard for financial, gaming and government employees to have their credit reports checked by their employers. After all, we don't want criminals working in the governmen... Read >

Are You Paying More for Insurance Because of Your Credit Score?

You've probably heard that insurance companies use credit scores to determine whether to even accept you, and if they do accept you, to determine what you'll pay for your premium. Well, that's almost right. Insurance companies don't use FICO credit ... Read >

The Best Way to Improve Credit Scores

Less than 6% of the population in the United States can brag about having FICO credit scores above 800.It's an elite club.The benefit of having a score above 800 is that you're guaranteed credit approval with the best terms from the best lenders. No hassl... Read >

Reason Your Credit Scores Still Go Down When You Do Everything Right

I want to address a question I've been asked a lot lately..."Why have my credit scores gone down since I last checked them even though I've made all my payments on time?"First let me tell you that the only way your credit scores can go down is if informat... Read >