Category Archives: credit cards

Mr. A’s Credit Score

credit cards
Mr. A has dealt mostly with cash in his life, so in February of 2008 I had him apply for a secured credit card so he could begin building his credit.  We put $600 into the bank, and they held onto it while we used the card to buy gasoline and paid it in full each month.  Before I had him apply for the card, I tried to pull his credit report, but I couldn't get any information online (they… Read the rest

Consolidating Our Credit Cards

credit cards
For some reason I have been having trouble bringing myself to use our $20K line of credit.  I have just been procrastinating, even though the interest rate is 10.2% as opposed to the highest credit card which is 13.24%.  The other credit cards are below 10% (amazingly). Mr. A and I have been having financial discussions and last weekend we signed a contract so we'd be on the same page for what I'd do with our money in the month… Read the rest

My Credit Score – Has It Really Jumped 31 Points?

credit cards
// I was reading through some of the carnivals I'd entered in the last week and I came across Sun Financial's entry Is CreditKarma Useful?  From there, through a series of clicks here and there, I landed up at DebtKid's site. Yeowch. I was reading his post on how to raise your credit score and I got to wondering if my score has risen since I checked it last on August 31st.  I had hoped to see it rise before… Read the rest

Guest Post: Managing Your Finances in Changing Times

credit cards, guest post
Today I'm giving the floor to Trisha Wagner. She's a freelance writer who has volunteered to provide a guest post today at Out of Debt Again. Managing Your Finances In Changing Times A changing economy requires changes in how you manage your finances. When facing tough economic times many consumers have learned the hard way that the wrong money management strategy can have disastrous results. For those of you who have managed your finances well in the past, it is… Read the rest