Nick Gallo

Nick Gallo is a Certified Public Accountant and content marketer for the financial industry. He has been an auditor of international companies and a tax strategist for real estate investors. He now writes articles on personal and corporate finance, accounting and tax matters, and entrepreneurship.

Best Virutal Credit Cards

The 10 Best Virtual Credit Cards in 2022

Virtual credit card numbers let you make online purchases without disclosing your card’s true account details, protecting you from fraud. They’re also easy to cancel and replace, giving you more power over when and how much merchants can charge you. We analyzed the best virtual credit cards in 2022 based on their capabilities, reward programs, …

The 10 Best Virtual Credit Cards in 2022 Read More »

How to Get an 800 Credit Score After Bankruptcy

How to Get an 800 Credit Score After Bankruptcy

Filing for bankruptcy may feel discouraging, but it can give you a fresh start. Though it does damage your credit score, it also significantly reduces your outstanding debts, allowing you to rebuild without that financial burden. It takes time to reach an 800 credit score after bankruptcy, but it’s possible. Here’s what you need to …

How to Get an 800 Credit Score After Bankruptcy Read More »

How To Prepare For The Recession

How to Prepare for the Recession in 2022

Economic recession often correlates with weaker job security, lower investment returns, and diminished consumer purchasing power. As a result, it can have significant implications for your personal finances. Fortunately, you can insulate yourself from the worst effects and turn this period into an opportunity with the right preparation. If you’re concerned about current economic trends, …

How to Prepare for the Recession in 2022 Read More »

Best Credit Builder Loans

6 Best Credit Builder Loans for 2022 [No Credit Check, Online, Unsecured]

Credit builder loans are still somewhat new. But they’re definitely not all the same in quality and price. We analyzed the nine most commonly searched for credit builder loans on the market, then compared them based on a variety of factors including minimum monthly payment, term length, loan amount, and more. The Best Credit Builder …

6 Best Credit Builder Loans for 2022 [No Credit Check, Online, Unsecured] Read More »

Tier 2 Business Credit Vendors

Tier 2 Business Credit Vendors

Whether you’re building personal credit or business credit, you have to follow a specific account progression. Generally, you target attainable ones with less favorable terms first, then work your way up to the more restrictive ones with better rewards. If you’re building business credit, Tier 2 business credit vendors are the second rung on that …

Tier 2 Business Credit Vendors Read More »

Business credit builder

The 7 Best Business Credit Builder Programs in 2022

There are many less companies that help you build business credit than there are for building personal credit.  That’s why we compiled this list of the seven best business credit builder programs in 2022.  The Best Business Credit Builder Programs Credit Suite Nav Divvy CreditStrong Tillful Wells Fargo Business Secured Credit Card Business Credit Builders …

The 7 Best Business Credit Builder Programs in 2022 Read More »

net 30 accounts

22 Net 30 Accounts for New Businesses [Updated for 2022]

These net 30 accounts help you build business credit.  Net 30 accounts are a form of business credit that lets you pay off your invoices 30 days after your initial purchase. A net 30 vendor may report your account usage to the major commercial credit bureaus, helping you build business credit. We’ve compiled the most …

22 Net 30 Accounts for New Businesses [Updated for 2022] Read More »

Can You Raise Your Credit Score 100 Points Overnight

Can You Raise Your Credit Score 100 Points Overnight?

Unfortunately, it’s impossible to raise your credit score by 100 points overnight, unless you were the victim of identity theft. FICO scores only range from 350 to 800, so a 100-point change represents a significant shift in your creditworthiness. For example, increasing your credit score from 600 to 700 would lower your interest rate on …

Can You Raise Your Credit Score 100 Points Overnight? Read More »