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Will Shopping the Market Hurt My FICO Scores?

Are you ready to shop for the best deals on a home or auto loan?

While multiple inquiries at one time for your credit report information can theoretically hurt your credit scores, the fact is they probably will not drop too much.  If you are searching for the best interest rates on a home or auto loan, then it's definitely worth shopping rates with at least three different lenders at one time to make sure you get the best rate available.

on Wed, 2016-06-01 13:30

The U.S. Bank Business Edge™ Select Rewards offer is currently not available from Creditnet.com

However the below card(s) are recommended by Creditnet as a great alternative to the U.S. Bank Business Edge™ Select Rewards:

U.S. Bank Business Edge™ Select Rewards

Credit Card Review: U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

You might be surprised to learn that one of the better signup bonus offers on the market comes from U.S. Bank. 

The U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card offer is currently not available from Creditnet.com

However the below card(s) are recommended by Creditnet as a great alternative to the U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card:

U.S. Bank FlexPerks® Travel Rewards Visa Signature® Card

Why Your Credit Score in College Will Affect You After Graduation

What's the main goal of college? Most would say it's to get a degree so you can get a high-paying job after you graduate.

But, what might come along with this new job that you're working towards as well? Perhaps getting a new car, buying a house, or starting your own business one day? If so, it's important to remember that one of the key things involved with all of these goals will be your credit score.

Credit Scores

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Credit One Bank® Unsecured Platinum Visa® Summary

Creditnet's Full Review

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

Purchase Rates
Intro APR: N/A Credit Required: fair
Intro Period: N/A Set Up Fee N/A*
Ongoing APR: 16.99% - 24.99% Variable, based on creditworthiness Annual Fee $0-$99
Penalty APR: 24.15
Balance Transfer
Intro APR✝: N/A
Intro Period: N/A
Ongoing APR: N/A
Transfer Fee: N/A
Cash Advance Rates
Ongoing APR: 18.90% - 25.90% Variable, based on creditworthiness
Advance Fee: Thereafter, either $5 or 8% of the amount of each cash advance, whichever is greater.
Miscellaneous
Other Rates
Foreign
Transaction Fee:
N/A
Min. Interest Charge: N/A
Credit Line
Min: N/A
Max: N/A
Penalty Fees
Late Payment:
Up to $35
Over the Credit Limit: N/A
Returned Payment: Up to $35

User Reviews

Average user reviews

Based on 1 review

Intro APR
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Regular APR
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Milestone® Gold MasterCard® Summary

Creditnet's Full Review

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

Purchase Rates
Intro APR: N/A Credit Required: fair
Intro Period: N/A Set Up Fee N/A*
Ongoing APR: 23.90 Annual Fee $35-$99 depending up credit worthiness
Penalty APR: 29.9
Balance Transfer
Intro APR✝: N/A
Intro Period: N/A
Ongoing APR: N/A
Transfer Fee: N/A
Cash Advance Rates
Ongoing APR: 29.9
Advance Fee: $0 during the first year; after the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100).
Miscellaneous
Other Rates
Foreign
Transaction Fee:
1% of each transaction
Min. Interest Charge: $0.50
Credit Line
Min: 300
Max: N/A
Penalty Fees
Late Payment:
Up to $37
Over the Credit Limit: Up to $35
Returned Payment: Up to $37

User Reviews

Average user reviews

Intro APR
N/A
Regular APR
Balance Transfer
N/A

Indigo® Platinum MasterCard® Summary

Creditnet's Full Review

Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

Purchase Rates
Intro APR: N/A Credit Required: fair
Intro Period: N/A Set Up Fee N/A*
Ongoing APR: 23.99 Annual Fee $0-$35 depending upon credit worthiness
Penalty APR: 29.99
Balance Transfer
Intro APR✝: N/A
Intro Period: N/A
Ongoing APR: N/A
Transfer Fee: N/A
Cash Advance Rates
Ongoing APR: 29.99
Advance Fee: $0 during the first year; after the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100).
Miscellaneous
Other Rates
Foreign
Transaction Fee:
1% of each transaction
Min. Interest Charge: N/A
Credit Line
Min: 300
Max: N/A
Penalty Fees
Late Payment:
37
Over the Credit Limit: 37
Returned Payment: 37

User Reviews

Average user reviews

See What Income-Based Repayment Can Do For You

Are you struggling to keep up with your federal student loan payments? If so, a provision of the 2007 College Cost Reduction And Access Act, known as IBR (Income-Based Repayment), may be just what you've been searching for.

Although the law was passed in 2007, it actually took effect on July 1st of 2009 and is available to anyone with an eligible federal student loan. IBR essentially allows qualified borrowers to restructure student loan payments based on a formula that takes into account two major variables—level of income and the number of family members in their household.

on Fri, 2016-05-20 12:39

Top Ways to Lower Your Financial Stress

If there is one common thing that can keep people up at night, it is financial stress. Regardless of your age or income level, you may worry about if you have enough money to pay certain bills, how you will afford to send the kids to school, or if you are saving enough for retirement. These are just a few of the common concerns that people face about their finances. While some may think that the answer to their financial woes is to increase their income level, the fact is that financial stress is common across all income brackets.

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