American Express offers both charge cards and credit cards. VISA and MasterCard brands are only on credit cards, debit cards and pre-paid cards

Q&A: What is a Charge Card?

We look at quotes from all over the internet and discuss why a great score has changed over the past 5 years

Q&A: What is a Good Score According To The Experts?

Banks like FICO '08 because it should lead to fewer defaults.  For consumers, it should mean better scores for the occasional mishap folks and worse scores for those that are late or more credit distressed

Q&A: What is FICO '08 and How Does It Impact Me?

Once you have a bank account, a secured credit card and then a personal installment loan from your bank or credit union will help establish credit

Q&A: How Do I Build Credit As A Recent High School Grad?

In 1996 TRW decided to spin off the credit business and it's now owned by Experian

Q&A: Who Is TRW?

The govt did this program to stimulate growth, but we like the idea of using this money to pay off credit card debt

Q&A: Will My Stimulus Check Impact the Credit Score?

Important to recognize that while not exactly the same, a FICO consumer report is providing a close guide

Q&A: Do Lender Credit Reports Look Different?

A good idea to pick one that is accredited and has low fees

Q&A: How Can I Find a Credit Counselor I Can Trust?

Not a credit card, but it can teach teens responsible credit habits

Q&A: Will a VISA Buxx Card Build Credit?

While many card issuers offer these services, they are hard to find sometimes as many merchants seem to dislike them

Q&A: What is a Virtual Credit Card?

VideoCreditScore Video Podcast provides video lessons, product reviews and tips to help you manage your credit score

I&#39;ve listened to most of the credit score lessons over the last few weeks and applied what I learned so far.  Much to my pleasant surprise I have already seen a positive jump in my credit score.   Luckily I&#39;m now able to qualify for better loan rates. Must see and learn.  Save yourself thousands of dollars by becoming an informed consumer.

Confidence in managing my credit score

Watching these videos made a very intimidating topic easy to understand and much less daunting.  The speaker presents a great deal of relevant information, is interesting, easy to follow and provides a comprehensive view of the things you should care about regarding your credit score.  I highly recommend you check these out if you&#39;re at all interested in learning about, obtaining or cleaning up your credit rating.

Extremely Useful... Great Resource

Credit Score Lessons - Free Videos and Product Reviews

A 720 FICO score used to be the best score cutoff, but now lenders are looking for a 760 and above for the best rates

Q&A: What's Considered a Good Credit Score?

Learn what credit card usage impacts your score and what usage does not impact your score

Q&A: Does using Credit Cards More Often Impact my Credit Score?

Your due date is when your card is due, but your closing date pinpoints your reported balances and both impact your FICO credit score

Q&A: What's the Difference Between a Closing Date and a Due Date?

Direct debit or auto pay will automatically pay your credit cards off each month, so you don't have to.  Contact your credit card company.

Q&A: What is Direct Debit For Credit Cards?

Your credit isn't merged, but it is interdependent and you need to get joint cards and individual credit cards

Q&A: How Does Marriage Impact Credit?

People with over 10 years of credit history tend to have better scores so the key is to start building your credit early

Q&A: What Age is the Best Age For Credit Scores?

If you need a payday loan, you might be near the credit breaking point, and that's when a credit counselor can help

Q&A: Are Payday Loans Ever a Good Idea?

After some time, a credit card company will turn over your debt collection to an outside agency, but you still have rights about how they can treat you.

Q&A: What is a Collection Agency and How Do They Work with Credit Card Companies?

The Credit Reporting Agencies rebrand the FICO score models to have their own slightly different names.

Q&A: What's a Beacon Score?

If you check via a lender, it's an inquiry but if you check via the bureaus, myFICO, or annualcreditreport.com, it's not going to hurt your score

If you check via a lender, it's an inquiry but if you check via the bureaus, myFICO, or <a href="http://annualcreditreport.com" rel="nofollow" target="_blank">annualcreditreport.com</a>, it's not going to hurt your score

Q&A: Does Checking My Credit Score Often Hurt My Score? 

Race, income, gender, marital status and age have no impact but watch to see surprising other non-factors

Q&A: What's NOT Considered in a FICO Credit Score Calculation?

Our resource area on the website provides links and tools to remove yourself from marketing lists

Q&A: Can I Stop Credit Card Offers?

Most widely used FICO score system range is 300-850

Q&A: What is the Credit Score Scale?

Rewards cards are great for big spenders who payoff balances each month, but it you carry a balance they don't usually make sense.  Higher APRs can mean you fall behind further and thus your FICO score could suffer

Q&A: What's So Rewarding About a Rewards Credit Card?

Note the two different dispute types and when to use each one.

Q&A: What is a Dispute? How Does it Impact My Credit Score?

CROA or the Credit Reporting Organizations Act was enacted in 1996 and it states that you if you are a credit repair organization you cannot charge in advance.  Result - many good companies don't call themselves repair organizations

Q&A: Is the word "Repair" a Dirty Word?

FICO Score Range is 300-850.  This tip shows how FICO compares to other scoring systems

Q&A: What's the Difference Between a FICO Credit Score and Non-FICO Score?

Learn how the authorized user card has different liability and credit reporting impacts

Q&A: Joint Credit Cards vs. Authorized User Credit Cards - What's the Difference?

What is this?
1 quote, 3 ideas & 1 question from a carefully curated podcast episode.
Every Monday & Wednesday.

Want a 3rd insight and episode every week? Email me at curation@owltail.com.

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The best podcasts about ourselves as well as the world through the lense of Science. Specific topics include things about our brain, emotions to biology, physics and more!