James K asked:


My credit profile got off to a rocky start, mostly due to circumstances that were far beyond my control. At the same time, had I already gone through the last four years of credit history at the time I began my credit journey, I believe I would never have gotten into trouble to begin with.

I have just recently paid off a very delinquent credit card account that had a year of good payment history both before and after the delinquency. As I have had several medical bills also go to collections, I have a credit score in the mid 500’s. I know this is in the ”very weak” range, but thankfully I am 22-years-old and now much wiser.

Now that I am effectively budgeting my life and managing my money, I’m trying to figure out the best ways of raising my scores. I’m interested in increasing the spending limit on a $500 secured card that I’ve had a perfect payment history with for 8 months. Would this improve my credit if accepted? Would it hurt it if denied? Thanks in advance!

azkoolchik asked:


I have a credit score of 700 and wanting another credit card. I was thinking about citi bank or bank of america. What one should I get? I only have one other credit card from Wumu. I want a credit card that report to the 3 credit bureaus every month. Anyone has either one of these cards, if so, what one did you like and why?

lykalocovato asked:


I understand that one needs 24 credits to graduate and 3.5 worth of electives,1 credit worth of art and 2 credits worth of language ect. I have 3 years of spanish and 2 years of art.

Does this mean that the extra year of spanish and art will go towards my electives?

Erick R asked:


Hello, I am trying to find out how to build my business credit without being attached to my personal credit score. I would like to know if anybody has information regarding what credit cards are available to do this. I would love any free information or links to sites that can tell me how to build my business credit. Thanks!!