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Do You Know These Five Credit Card Myths?

Credit360 Inc. - Wednesday, March 21, 2018
Despite how important it is, credit is widely misunderstood by most Americans, which is why so many good people struggle with bad credit. Here are just a few of the common myths and misconceptions we’ve encountered over the years and what the facts are. Closing Old Cards Boosts Your Score This is a big one, as up to 80 percent of credit cardholders believed that ditching old cards improves their credit score. Intuitively, this might make sense – cutting a c ..

We're So Sure of Our Services, We Use Them Ourselves!

Credit360 Inc. - Tuesday, March 20, 2018
The above image is from the credit account of none other than our president, Andre Coakley. You're reading that right: he just got an $18,000 credit line increase from Pen Fed Credit Union, thanks to the Credit360 Credit Repair. Previously, he had a credit limit of only $5,000 -- but after just a half-hour of skilled and proactive disputing tactics, we more than quadrupled the total credit limit to $23,000! The proof is in the pudding, folks. We're so co ..

How Many Credit Cards is Too Much?

Credit360 Inc. - Wednesday, March 14, 2018
If you are among the average household with credit card debt of over $15,300, you might understandably question whether having more than one credit card is worth it. After all, bad credit can negatively impact everything from buying a house to getting a job. But if you can pay off your balances fully and on time every month, you might be better off with more cards than less. Here’s why. First, once you’ve established a good credit history through responsible use of a  ..

Choosing How and When to Use Credit vs. Debit

Credit360 Inc. - Friday, March 09, 2018
If you want to get your credit score in order, it helps to know when you should use your credit cards. Let’s start by laying out the differences: the biggest distinction is that a debit card is linked directly to your checking account – so that every amount you charge is directly deducted from the available balance – while a credit card consists of essentially borrowing money from a bank or financial institution that you will eventually have to pay back, with interest.  ..

Why Credit360 Loves What We Do

Credit360 Inc. - Sunday, March 04, 2018
Lots of clients are taken aback by how passionate we are about fixing credit. Well, it’s easy to be motivated when you realize how crucial credit it is for all sorts of things. Here are just a few of the many doors you can unlock with a high credit score brought to you by Credit360. Homeownership Buying a house is one of life’s biggest milestones. But like all great thing in life, it is also one of the most difficult achievements, especially in a post recession  ..

Three Simple Ways to Look After Your Credit Score

Credit360 Inc. - Wednesday, November 29, 2017
Making sure you have good credit doesn’t have to be a chore. In fact, there are three simple, stress-free ways you can look after your credit to make sure it’s healthy. Pay Your Bills and Keep Balances Stable This isn’t as obvious as it might sound. Many folks don’t realize that your normal, everyday bills act as a window into your credit: the more timely and fully they are paid, the better your credit will be. Just having your bills up-to-date will be e ..

Five Simple Ways to Boost Your Credit Score

Credit360 Inc. - Saturday, October 07, 2017
Your credit score is probably the most important set of numbers in your life. These three digits determine everything from your ability to get a mortgage, to getting approved for a lease. You might think making full and timely payments is all you can do to keep your score healthy – and without a doubt it helps – but there is actually a lot more you can be doing to keep your credit score up and the rest of your life running smoothly. Here are five simple places to start.  ..

Learn How and Why Credit360 Supports the #BankBlack Challenge

Credit360 Inc. - Saturday, August 12, 2017
Did you know that African Americans have over $1.2 trillion in annual spending power? That adds up to almost $30,000 for every black man, woman, and child in the United States. To put that number into perspective, if African Americans were their own nation, they would be the 15th largest economy in the world! Yet despite this financial power, the black community as a whole continues to fall behind when it comes to credit access, saving rates, investment, and home equi ..

Seven Common Bills Impacted By Credit

Credit360 Inc. - Saturday, June 17, 2017
You might know that whether or not you keep up with your monthly bills determines what your credit score will be. But did you know that this same holds true visa versa – your credit score can impact how much you will pay for various expenses. Here are the seven common bills that are affected by your credit health: Credit Cards It’s a vicious cycle: you need good credit to have good credit. If your credit score is poor, you will get rejecte ..

The Case For Having More Than One Credit Card

Credit360 Inc. - Tuesday, May 09, 2017
Three out of four Americans have at least one credit card, and many have two or three to their name. But considering that the average U.S. household has over $15,300 in credit card debt (, you might wonder whether it is worth having so many cards that can make it easy to wrack up debt. Since bad credit can impact everything from home ownership to employment, you should think hard about regulating your card u ..

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