Amanda Garland

Amanda Garland is a personal finance blogger living in Dallas, TX. 10 years ago she was living paycheck to paycheck and knew nothing about how credit works. She learned some hard lessons in her fight for financial stability. Now she has a friendly competition going with her husband to see who can reach a credit score of 850 first. She is also a poet, having obtained a Bachelor of Fine Arts degree in Creative Writing.

Best Credit Builder Program

Best Credit Builder Programs

What is good credit? Score-wise, the experts say it is 670 and above. This makes for a great goal, but how do you get there? Ideally, to achieve a good credit profile and score, a balance of 3 revolving credit accounts (i.e. credit cards) and 1 installment account (personal loan, auto loan, etc.) is the …

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Debit Cards That Build Credit

Debit Cards That Build Credit

If you are wanting to start building credit but you only ever use cash or debit cards for your purchases, what can you do? Traditional debit cards don’t build credit history or affect your credit score.  But there are specially designed debit cards that can help you achieve a good credit score. These card issuers …

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Business Tradelines

Business Tradelines That Report: Which Ones You Need and How to Get Them

As a business owner, business tradelines are critical to getting good financing. Trade credit and other credit tradelines help build your business credit history and business credit scores.  We’ll outline the type of business tradelines you need to build your business credit and how to get them. Business Tradelines: What Are Business Tradelines? Business Tradelines …

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MyFICO Review

MyFICO Review – Is It Worth Paying For Your Credit Scores?

Our verdict: Paying for a MyFICO subscription is worth it if you’re about to buy a house or make another large purchase. If you’re just curious about your credit, a free credit score from a credit monitoring service is enough. What is MyFICO? MyFICO is a credit score reporting subscription plan offered by the creators …

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Tier 1 Business Credit Vendors

Tier 1 Business Credit Vendors [Updated 2022 List]

When you have a small business and are trying to establish a business credit score or build good business credit, opening tier 1 business credit vendor accounts is essential.  These vendor credit accounts are great for building business credit, and they can help you improve your cash flow.  We have thoroughly researched and have determined …

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Credit Karma vs Credit Sesame

Credit Karma vs. Credit Sesame

In a nutshell: Credit Karma wins as a better free credit monitoring service. However, if you’re willing to spend some money, Credit Sesame has some features worth checking out. Credit Karma and Credit Sesame are the two most well-known companies that offer credit monitoring services. And all you need to signup is a social security …

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Best Credit Monitoring App

7 Best Credit Monitoring App in 2022 

There are hundreds of companies offering free credit reports, free credit scores, free credit monitoring services, and more. But which one, or ones, are the best?  A good company, or app, will monitor your credit’s critical features, including payment history, credit utilization, the status of individual credit accounts, and more. Many also offer separate features …

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