Improving your credit, or FICO, score by even 50 points can save you hundreds of dollars per month in lower payments. This is because your credit score directly determines the interest rate at which lenders charge you for auto loans, mortgages, and credit cards. A better score can also make you eligible for many special rates and promo offers that you may not even be seeing right now because you are not on the 0right0 mailing lists due to a less-than-impressive score.
Here are 5 secrets for getting a better credit score faster.
Secret #1: Order you credit reports right away:
There are two reasons to order your credit reports today from all three of the Big Three credit reporting bureaus: finding out your credit score and checking for identity theft. You can get your initial credit report for free on the Internet. And, there are a number of companies online that will monitor your scores, flagging problems and keeping you abreast of sudden changes. Caution: if you find any errors on your report, get them fixed immediately.
Secret #2: Make your payments on time:
A full 35% of your FICO score reflects your payment history. The unfortunate thing about the current system is […]
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1999 saw the launch of the first in a series of four Blue American Express credit cards, the innovative concept of which was based on a highly successful model employed in Europe. In 2002, American Express added their Blue Sky from American Express credit card to the thriving Blue stable. This was pretty much an industry first in as far as travel credit cards were concerned.
Generally speaking, when you hold a travel credit card, you would be subjected to rather hefty annual fees, blackout dates, expiry dates and capacity-control restrictions. In some instances who you travel with, and who you book through are subject to conditions too.
This is where the Blue Sky from American Express credit cards, broke the proverbial mould.
Blue Sky Credit Card Rewards
The reward scheme that comes with the Blue Sky credit cards is hassle free. You will earn one point for every dollar0s worth of eligible purchases made, that you can redeem in 7,500 (or $100) increments towards any flight, hotel, car rental and cruise charges. You are free to either book directly with any airline, hotel or internet site, or through the travel agent / tour operator of your choice. Unlike most other travel credit cards, […]
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