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King Financial Blog


"Bad credit" credit cards: how you can avoid high fees.

Admin Manager - Sunday, January 21, 2018
Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. I get frequent emails from consumers wondering what they can do to rebuild their creditworthiness. The first is to get a credit card intended for people with bad credit. The second thing is READ THE FINE PRINT. Only a limited number of credit card ..


Admin Manager - Monday, January 15, 2018
Oh, I know, this question may seem totally ridiculous. It’s not as if a newborn can head to the mall for a toy shopping spree right? Well, technically, you can add a baby to (some) credit cards. But, keep in mind it won’t give your child the credit-score boost you may have been hoping for. Cards that will let you add babies as authorized users When you add a person as an authorized user to your card, you (as the main account holder) are still the one responsible f ..

Check your credit score regularly

Admin Manager - Sunday, January 07, 2018
You will notice problems and inconsistencies on time if you check your credit score on a regular basis. You can do this once a year but preferably three times a year. Be sure to check your credit rating with each credit bureau, too. If you notice anything odd or anything you don’t recognize (such as a charge account you did not open) go ahead and report it. At times, these errors are caused by mistakes made at the credit bureau, but they also could be an indication that so ..

Repairing Loans with Bad Credit

Admin Manager - Saturday, December 30, 2017
The moment you find yourself struggling with bad credit and want to repair it, you may want to look into obtaining a debt consolidation loan. But you may be wondering... If you have bad credit, how in the world will you be able to get a loan? That’s exactly what debt consolidation loans are for – to help you repair bad credit and eventually get yourself back on the road toward a positive credit score and a solid credit history. Basically, debt consolidation ..

Free Credit Card Bonuses Are Expensive If You Fail to Pay Your Bill

Admin Manager - Saturday, December 30, 2017
The credit card business is definitely a competitive one. It's also a quite profitable one and the combination of the two explains why you seem to find a pre-approved application in the mailbox pretty much on a daily basis. A new customer is worth a lot to the companies that issue credit cards; most consumers will spend hundreds of dollars in interest during the time they carry their card. Because the business is so competitive, many card issuers offer various bonuses and incentives  ..

Why Do Credit Scores Vary Amongst Credit Bureaus?

Admin Manager - Saturday, December 30, 2017
One of the main criticisms of credit scoring is the large variation between credit scores, recent studies have shown scores to vary as much as 100 points between credit bureaus. King Financial Repair listed the three main reasons for this: 1) Not all creditors report their information to all three credit bureaus, and if they do, they may not report the same information at the same time to each agency. For instance, let’s say you have a credit card that you have ha ..


Admin Manager - Sunday, December 24, 2017
Almost all business loans are now coming from Alternative Lenders. So, you can often get approved with an alternative lending source when you can’t with your bank and even when you think there’s NO WAY you’ll get approved! Alternative lending options now mean you can get approved for a business loan even if: You have REALLY bad personal credit, you have no business credit or you don’t have any types of collateral You are just starting a business, you don&rsq ..

Overextending your credit: What does it mean?

Admin Manager - Friday, November 24, 2017
If you have way too many lines of credit or several big debts, you make a worse credit risk because you are close to “overextending your credit.” This means that you may be taking on more credit than you can regularly pay off. Even if you are making payments comfortably now on existing bills, lenders already know that you’ll have a harder time paying off your bills if your debt load grows too much. The higher your debts are the greater your monthly debt payments  ..

9 tips to practice a safe lifestyle free of identity theft

Admin Manager - Thursday, November 16, 2017
To stay safe from identity theft, you can follow safe banking and financial recommendations: Try to keep your account numbers and PIN numbers safe in every situation. Cover your account and PIN numbers when using debit at the store and refuse to give your PIN number to anyone. Avoid writing down your PIN and account numbers, this information could potentially fall into the wrong hands. When doing business, do it with businesses you trust only. Rip up the application for “p ..

The Top Three Major Credit Bureaus You Need

Admin Manager - Sunday, November 12, 2017
The three major credit bureaus are important to contact if you are going to be repairing your credit score, but why? The major three credit agencies can help you by sending you your credit report. If you catch an error on your credit report, these are also the companies you´d want to contact in order to correct the issue. You can easily contact these organizations by telephone, or through an email: Equifax Credit Information Services, Inc Address: P.O. Box 740 ..

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