Well, if this were true, no one would have ever been given a credit card. Right? The fact is credit card issuers want to give out credit cards, but they want to ensure a cardholder is a good credit risk. A good credit can be maintained by keeping your accounting very straight to the point. https://www.apps4rent.com/quickbooks-cloud-hosting/. There are budgeting tools which have proven to be effective.     Regards, Adrian ... View more

If you’ve recently closed an account, your score might drop. If the account was quite old, then closing it can cause the average age of your accounts to fall. Sometimes your score may follow suit. Closing an old account can also mean you have less credit available overall. If, by closing the account it pushes your credit usage over the 50% level, then it could negatively impact your score.     Regards, Adrian ... View more

Here are different ways how you can get a personal loan with bad credit Providing Post dated checks, You must be ready to pay high interest rates on loans, Taking Secured Personal loan and more… Best Personal loans you can apply for with Bad credit Score Secured Personal loans High Interest Rate Personal loans     Regards, Adrian ... View more

No matter what kind of debt you are in it may take years and meticulous planning to have it settled. But, there are some strategies you can make use of to clear your outstanding dues. Snowball method -   List all of your existing debts such as personal loan, credit card etc. and divert all the excess funds towards settling the smallest debt first. Then move on to the next debt and gradually you will be able to clear off all your debts[1]. Take up an additional job -   you can turn any of your hobby such as teaching, writing, driving etc. into a part-time job to pay off your outstanding. Cost-cutting -   maintain a monthly budget and stick to it. The extra funds can be used to pay off the loan by having their EMIs increased by a small percentage say 5% every month. If you evaluate this yearly this turns to a big amount which can have your loan sorted out. Negotiation -   if you find the interest rates on your credit cards are too high you can call up your Relationship Manager and have the rates negotiated or eliminated. This will help you to lower down the EMIs on the card and settle the debt faster.   Regards, Adrian ... View more

You can get your free credit score by going to Turbo link mentioned above or downloading the Turbo IOS or Android App. If you're a current TurboTax User, use your TurboTax login (not your email address) and ID to get the most out of your Turbo account.     Regards, Adrian ... View more

To improve your score Never utilize more than50-60 percent of your credit cards limit. Never default your Credit card bills or loan EMI. Pay them without fail and within a specified period. Don’t try to overburden yourself with the too many loans. If your credit score is good, then banks are ready to sanction more loan than what you asked for. In such cases limit yourself for needed amount. Avoid having many unsecured loans and credit cards on a single name. Do not forget to collect “No Due Certificate” from your banker after closing the cards accounts or loan. Have 6-9 months of a gap while applying for fresh loans. Make sure you keep an track of all your daily spends. You can you cloud based quickbooks as one of the tools Never try to run away from your loans. Settle them as soon as possible in a friendly way with your banker.   Regards, Adrian ... View more

Know your credit score and get copies of your credit reports. Fix any errors on your credit reports. Maintain healthy credit accounts and start building a positive credit history to help reach credit goals. Control your credit utilization and lower high utilization if needed. Keep an eye on the age of your credit. Regards, Adrian   ... View more

Credit utilization is the ratio of your outstanding credit card balances to your credit card limits. It measures the amount of credit limit you are using. For example, if your balance is $300 and your credit limit is $1,000, then your credit utilization for that credit card is 30 percent .   If you’re adding $500 per month of new charges on your card and your limit is $1,000, you’ll have a utilization rate of 50 percent.   To calculate your credit utilization, simply divide your credit card balance by your credit limit, then multiply by 100. The lower your credit utilization percentage, the better. A low credit utilization shows that you're only using a small amount of the credit that's been loaned to you.   Five major factors have an influence on your credit score: Payment history (35 percent) Level of debt/credit utilization (30 percent) The age of credit (15 percent) Mix of credit (10 percent) Credit inquiries (10 percent). Regards, Adrian ... View more

You need to download the app (or use your browser) and enter some personal information after creating an Intuit account.   See https://turbo.intuit.com/how-turbo-works/   Regards, Adrian ... View more

Don't Apply for Too Much New Credit, Resulting in Multiple Inquiries Opening a new credit card can increase your overall credit limit, but the act of applying for credit creates a hard inquiry on your credit report. Too many hard inquiries can negatively impact your credit score, though this effect will fade over time. Hard inquiries remain on your credit report for two years.   Regards, Adrian ... View more