Credit Optimal

Highest Credit Score

By Robert Ferry on November 30, 2021

Credit Scores play an important role in customers' financial journey throughout their life. For the longest time, people have been going crazy about how they can have the highest credit score, without knowing the technicalities behind it and whether they need to have the highest credit score in the first place. Here, we will discuss […]

Car Loans for Bad Credit

By Robert Ferry on November 30, 2021

Different car loans are available for people, which are not cheap as they come with interest rates. While some people can easily manage such interest rates, other people find it difficult to pay off the loan amount with a high-interest margin. People typically take time to improve their credit which can help them get approved […]

Debt Verification Letter

By Robert Ferry on November 22, 2021

Imagine you have a delinquent loan from a credit card company and it has been forwarded to the collection agency and you get a letter or a call mentioning a certain amount that needs to be paid which is a higher amount than you owe to them, or you don't owe them a single penny. […]

I Need Money Now

By Robert Ferry on November 22, 2021

An emergency situation can strike at any time, and they always seem to strike when one is least expecting it. What's worse is that an individual does not have any money to deal with such occurrences. It's never easy to come up with the money to pay for such unexpected occasions. Such events might include […]

How Much Does Credit Repair Cost

By Robert Ferry on November 19, 2021

Bad credit has many ugly effects, and really, none leaves one's financial life the same. To say a few, getting loans becomes difficult. And if you're lucky to secure one, then be ready for some strict repayment terms: high-interest rate and short payback duration. The reason is simple: you're a big risk to your lender. […]

Best Store Credit Cards for Bad Credit

By Robert Ferry on November 18, 2021

The last decade has seen an increase in demand for shopping at brick-and-mortar stores of various brands. Due to the pandemic, there was an upsurge in the amount of online shopping as physical stores were not accessible. People who are fond of shopping and buying clothes that meet the latest fashion have been asked at […]

Office Depot Credit Card Review

By Robert Ferry on November 18, 2021

The Office Depot business card, with Citibank as the issuing bank, is not any new type of a credit card. It comes with some basic cash rebates, paying back a certain percentage of purchases in the form of cashbacks, basic user interface, operating as both an online payment instrument and a physical card and; a […]

First Savings Credit Card Review

By Robert Ferry on November 14, 2021

First Savings Credit Card is a MasterCard offered by First Savings Bank for those who have a poor credit score and want to build their credit score. Your credit score is checked whenever you apply for a home loan or a personal loan or a credit card, and First Savings Bank provides a card specially […]

Free Checking Account no Opening Deposit no Credit Check

By Robert Ferry on November 12, 2021

Having a bank account is one of the essential things needed in life. An account makes sure that the finances of an individual are well looked after. It further ensures a streamlined, systematic process that, to a large extent, reduces the probability of fraud, theft, and in other cases losing money due to human error. […]

Best Banks That Don't Use ChexSystems

By Robert Ferry on November 8, 2021

Money is an essential tool to make purchases in our daily lives. We tend to buy the things we need and avail services that will make our lives more efficient. Money is a fundamental instrument that revolves around every transaction we make by reaching out to businesses. Nowadays, money can be in the form of […]

Best Tradeline Companies

By Robert Ferry on November 3, 2021

Building one's credit is very vital in this era where digital money and wallet are evolving, from purchasing desired goods and services up to paying credits on time and earning rewards for being financially responsible. Nowadays, taking care of your credit score would help you to have a good reputation in your future endeavors. But, […]

Why Is Credit Important?

By Robert Ferry on October 31, 2021

People have needs and want to be fulfilled. We purchase the basic things we need, such as food, water, clothing, and other stuff needed at home. In terms of our wants, we go buy gadgets, appliances, and other things to be happy. There are best ways to pay for the purchases that we have made. […]