Personal Credit Coach

Buying a Home with Bad Credit? Credit Repair Can Help!

Stephen Leifer - Wednesday, February 22, 2017
Buying a home is frustrating enough, but it can be downright demoralizing if you have bad credit. The good news is it is possible to get a mortgage, even if your credit history is less than perfect. Here are a few tips: Traditional banks rarely offer mortgages to those with bad credit, but you can find sub-prime lenders that extend credit for mortgages, as long as you are willing to pay higher interest and/or fees. This is not the best option because many find themselves overextended in  ..

My Credit is Bad - Can I Still Apply for a Card?

Stephen Leifer - Wednesday, February 15, 2017
The key to repairing credit mistakes is showing you can use credit responsibly, but how do you get a credit card if you have bad credit? Despite making credit mistakes in the past, it is possible to secure credit if you have a low credit score. The downside to having a damaged credit history and low scores is that you will likely have low limits, annual fees, and high interest rates. You will also probably need to choose a secured card that requires you put down collateral.  ..

Bad Credit? Here’s What Credit Card Issuers Should Be Offering You

Stephen Leifer - Wednesday, February 08, 2017
Getting a credit card might seem impossible if your credit is poor, but the truth is there are opportunities for just about everyone. Some credit card companies target people with less-than-perfect credit with the intention of helping them rebuild their credit profile. By doing so, they rightly feel that they can make them long-term loyal customers. If you are someone with bad credit and you are looking for a card that will help you get back on track, what should you expect to be availabl ..