by David I’m 18 and just starting to build my credit. I have a Discover student credit card with a $700 limit, and I want to build good credit so I can turn it into a regular Discover CC. I’d …

What’s better – carry balances or pay statements in full? Read more »

by William I was recently denied credit from Capital One. The letter that came from Capital states that credit bureau information is missing or unavailable for all three credit bureaus. What does that mean? It’s a common minor technical issue …

What does credit bureau information is missing or unavailable mean? Read more »

by Shirley My current car was bough 20 months ago. When I bought it I had a bankruptcy and a few tax linens on my report, and my score was 510. The loan I got from Capital 1 was for …

Looking for a lower rate – refinance or get a new car? Read more »