Mindblown: a blog about philosophy.

Building good credit is a necessity if you want to avail of loans and credit. It can create quite a problem, though, for young adults and others who are making a start. How do you build it when you don’t have any credit history? For many people, getting access to ready funds is an immediate…

If your credit score is low, you will find it difficult to qualify for loans and credit cards. You may also find it difficult to lease apartments and get jobs. Many landlords now consider a person’s credit score before allowing them to rent an apartment. Through credit scores, they check if the potential tenants are…

There are a wide variety of ways to build your personal credit, however, when it comes to the fastest way to raising your credit score, the best way to do it is by becoming an authorized user. Authorized User Becoming an authorized user has been used by many people with poor or no credit to…

You’ve paid your bills on time never missing a payment, always spent wisely and used credit responsibly. Now, life got in the way and caused you to miss a payment or two, run up your credit card balances, causing your credit score to decrease. If this story sounds all too familiar you are not alone,…

A low credit score makes it difficult and in some instances even impossible to qualify for loans or credit cards. One can have a low credit score for a number of reasons such as faulty payments, non-payments of loans, insufficient accounts, etc. But even if you have a low credit score for any reason, all…

Credit history has become an important marker for not only securing loans but to also qualify for many services such as banking, utilities, and housing. It is best to start building credit as soon as possible. You never know when you might be in need of a high credit score. So, what is the best…

Every measure counts when you need to raise your credit score. Timely payments and responsible use of credit cards are important steps that help build a good credit history. But you can also utilize tradelines to improve your credit history and score quite significantly. What are Tradelines? A tradeline is any account that you use…

Refinance/Bad Credit If you have bad credit, you probably realize the worst by-product of it all is that you can’t get a low interest rate when you want to refinance or apply for a mortgage. Refinancing when the rates are low is an ideal way to lower your payments on your mortgage. However, that can…

Vehicles are something that we cannot live without, they help us get from point A to B on our daily commute and they also allow us to travel to see friends and family at a distance. In the world we live in, it can be challenging to not own a vehicle. Many vehicles fuel family…