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The Affinity Secured Visa® Credit Card requires cardholders to join the Affinity FCU. You may qualify through participating organizations, but if you don’t, anyone can join the New Jersey Coalition for Financial Education by making a $5 donation when you fill out your online application. This card has an 12.60% Variable APR, which is one of the lowest rates available for a no annual fee secured card and is nearly half the amount major issuers charge. This is a good rate if you may carry a balance — but try to pay each statement in full.

If you find yourself sitting at an excellent credit score range then you are on the range of 750 or above according to the FICO range or an A if you are measuring based on the VantageScore 3.0 range. Getting to this position in the credit scale means that your payment history, credit utilization, credit age, credit mix, and inquiries are at the perfect (or excellent) amount. Having excellent credit opens numerous doors to the top credit card offers, best rates of loans, and other offers offered by lenders. This doesn’t mean that you are ‘done’ building your credit, especially if you are on the low end of excellent. It is recommended to continuously improve your credit.
Your loan balances also affect your credit score in a similar way. The credit score calculation compares your loan current loan balance to the original loan amount. The closer your loan balances are to the original amount you borrowed, the more it hurts your credit score. Focus first on paying down credit card balances because they have more impact on your credit score.
Be punished for missed payments: Not all late payments are created equally. If you are fewer than 30 days late, your missed payment will likely not be reported to the bureau (although you still will be subject to late fees and potential risk-based re-pricing, which can be very expensive). Once you are 30 days late, you will be reported to the credit bureau. The longer you go without paying, the bigger the impact on your score, ie: 60 days late is worse than 30 days late. A single missed payment (of 30 days or more) can still have a big impact on your score. It can take anywhere from 60 to 110 points off your score.
Self Lender, based in Austin, Texas, is designed to help consumers increase their financial health. Working in partnership with multiple banks, Self Lender offers a credit-builder account that is essentially a CD-backed installment loan. In other words, you open a CD with the bank and they extend a line of credit to you for the same amount. When you make payments, they report it to the credit bureaus.
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This part of your credit score will look at how much debt you have. Your credit report uses your statement balance. So, even if you pay your credit card statement in full every month (never pay any interest), it would still show as debt on your credit report, because it uses your statement balance. This part of your score will look at a few elements:
When ordering your credit report online, be sure to spell annualcreditreport.com correctly. You will then avoid being misdirected to other websites that claim to offer free reports, but only with the purchase of other products. While the authorized website may offer you additional products, you are not required to make a purchase to receive your free credit reports.
WalletHub is the only free credit score provider that updates daily! Information from TransUnion is updated between 3 and 6 a.m. ET daily, including weekends. Although we check for new info on your report every day, if a lender does not send TransUnion updates fast enough, it will not immediately show up on your WalletHub profile. Creditors typically report new information to the credit bureaus every 30 days, but the frequency of updates can vary. With that said, if more than 30 days pass but you still don't see the updated information, a good idea would be to contact your lender about it, to make sure the necessary info was sent to the credit reporting agencies.

In general, creditors forward information to the credit reporting agencies monthly. The day of the month that each individual creditor sends updates varies. In other words, we might receive an update from creditor A on the first of every month and from creditor B on the 11th of every month, etc. This is why it's important to have access to your credit report every day.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.


Pick 3 months during the year you intend to review your report. Let’s say January, May, and September for example. One day each of those months, go to annualcreditreport.com and choose one agency to pull a report from. So in January, you could pull your TransUnion report; in May you could pull your Experian report; and in September you could pull your Equifax report.


After you’ve taken advantage of your annual freebies, use a personal finance site for frequent, ongoing credit monitoring. Monitoring your scores and reports can tip you off to problems such as an overlooked payment or identity theft. It also lets you track progress on building your credit. NerdWallet offers both a free credit report summary and a credit score, updated weekly.


Credit scores are three-digit numbers created using the information in credit reports. That information is used to try to predict how likely you are to pay your bills on time.  While you have only three credit reports (at least from the major, national agencies), there are many different types of credit scores that can be calculated based on your credit information.
We always hear that it’s good to diversify. Your credit is no different. The mix of accounts you have—your student loans, auto loans, mortgages, and revolving credit cards make up 10% of your credit score. Creditors like to see this mix because it shows them you’re capable of handling all types of accounts. Want to see where you’re at? Your free credit report card will show you. See it now »
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Besides the security deposit, a secured card is just like a regular credit card. Purchases and payments your teen makes with their secured card are reported to the three credit bureaus — TransUnion, Equifax and Experian. You can check that your teen’s credit activity is reported to the bureaus by requesting a copy of their free credit report at annualcreditreport.com. You can request one report from each bureau every 12 months, and we recommend spacing them out over the course of a year — so requesting one copy every four months.
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We always hear that it’s good to diversify. Your credit is no different. The mix of accounts you have—your student loans, auto loans, mortgages, and revolving credit cards make up 10% of your credit score. Creditors like to see this mix because it shows them you’re capable of handling all types of accounts. Want to see where you’re at? Your free credit report card will show you. See it now »
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