The Best Way to Use Your Tax Refund this Year!

Wondering where your tax refund will do the most good this year?

If your credit is less than perfect, tax time is the best time to get back on track with your credit score! Not only do you have the funds from your tax refund to work with, but you can use those funds to start building up a good payment history and still buy that new television, take that vacation, or whatever else you thought about using that money for!

How can you use your tax refund to improve your credit score and still have funds to do something else?

It’s actually pretty simple, but it’s a very SMART way to use your refund! Instead of spending the cash on something, take your lump sum refund dollars and use them to open a secured credit card, like the The First Progress Platinum Elite MasterCard® Secured Credit Card . All you have to do is open the account, use your refund to make the security deposit you select, and then use the credit card to buy that new TV, take the vacation, etc.! In turn, as you make payments on the credit card, The First Progress Platinum Elite MasterCard® Secured Credit Card will report your good payment history to all three credit bureaus every month… Give it a few months and watch your credit score start to improve! It really is that easy – so why not take the first step to improving your credit score today?

The Best Way to Raise Your Credit Score

Credit less than perfect?  Looking for the best way to raise your credit score?

If your credit is less than perfect, it can be really hard to get the credit that you need…and without credit, it can be really hard to actually get credit or to improve your credit score.


Several years ago, my credit was a long, long way from being perfect.  And I remember going to department stores, and having them ask me if I wanted to save 10% by signing up for one of their credit cards… I always told them that I preferred to limit the number of credit cards I carried, or I just mumbled “No thanks,” because I knew there was no way that I would ever be approved even for that store credit card.  If you’re in the same place with your credit score, it can seem like you’ll never get out of the credit “hole” that you’re in…there is a way out.  And it’s not nearly as hard as you think it is.

The first thing that you need to do is to find out what your credit score is.  That’s right.  Force yourself to look at your credit score and your credit report.  You can’t fix it if you don’t know what’s wrong.  Late payments?  Inaccurate information?  Maybe you simply don’t have the right blend of available credit?  Whatever the reason that your credit score is low, there are ways to fix what’s wrong and raise your credit score!

Now, assuming that you’ve studied your credit report, reported any inaccuracies, etc., and you’re now ready to start raising that credit score… let’s look at the best way to raise your credit score if you don’t have enough available credit OR if you need a real “fresh start” with a creditor that specializes in giving second chances to those of us with less than perfect credit.

That’s right… Fingerhut specializes in giving second chances to those of us with less than perfect credit.  In fact, Fingerhut probably approves more people for credit than anyone, and they can even help you to raise your credit score, too.

How does Fingerhut help you to improve your credit score?

Speaking from experience, opening a Fingerhut account not only gives you that “buying power” that you need, but they report your good payment history to the credit bureaus regularly, helping you to build a good payment history.  This benefits you two ways – one, you have available credit, and two, you build a solid payment history with each and every payment you make.  That makes Fingerhut one of the best ways to improve a less than perfect credit score that there is.

Think that you might benefit from a Fingerhut account?

Best Credit Card Offer for Summer Vacation

What’s the best credit card to take with you on vacation this year?

Even if you’ve already saved the money for your summer vacation, it only makes sense to have a really good credit card with you just in case you have an unexpected expense while you’re away from home.

You never know when you’ll run into car trouble, lose some or all of your cash (or your debit card), or simply overspend and end up running low on funds long before it’s time to go home.  (Who doesn’t spend too much while on vacation?)  That’s why you shouldn’t leave home without the security of knowing that you have a way to replace that tire, rent a car, or pay for that extra expense you just weren’t planning for when you were saving for your summer vacation.

But what if your credit is less than perfect? Who’s going to give you a credit card?

If your credit is less than perfect, you can still qualify for a credit card. Most people can qualify for a credit card even with a bankruptcy still on their credit report, and chances are you will too!  Even better, once you’ve got a credit card, they will report your responsible payment history to all three major credit bureaus, so you can continue to improve your credit score!

 

The Best Way to Use Your Tax Refund

Got a little extra cash left over from your tax refund?  Why not take just a little bit of your tax refund and use it to get your credit back on track?  Believe it or not, it doesn’t cost a small fortune to start rebuilding your credit and, even better, it’s not nearly as hard as you think.

If your credit is less than perfect or even if you don’t have any credit, you can start improving your score today… and it is as simple as using a little of your tax refund to get a secured credit card.

Unlike prepaid cards, a secured credit card actually is a real credit card. Typically once you’ve proven your creditworthiness, many of these credit cards will refund the initial security deposit and convert your account into an unsecured credit card account.  Even better, some secured credit cards actually have really good interest rates on the purchases that you do make.

And, as if that’s not good enough all by itself – here’s the real reason you want a secured credit card:

Most secured credit card companies report to at least one of the major credit bureaus and that is what really matters when it comes to getting a fresh start on your credit… you’ll actually be building up your credit score just by using your new credit card wisely.  

All it takes is a small deposit on a secured credit card – so, go ahead, use just a little bit of this year’s tax refund to get a fresh start on your credit!  Trust me, it will be worth it in the long run. Here is just ONE of the many secured credit cards available to you: