My Last 2+ Years of Credit Score Activity

Tweet Understandably, when people find out what I do with credit cards and travel, one of the most common questions people ask is about how all these applications impact your credit score.  My answer is that it does impact your score, but it doesn’t trash it.  I think the rewards far outweigh the risk. A […]

My First EVER Credit Card Denial

Tweet Over the last 15 years, I’ve been playing the travel credit card game with differing amounts of commitment. However, in an effort to be completely open and transparent, I want to let you know that I was denied for a credit card for the first time ever. Now, there have been occasions where I’ve received […]

My Credit Score History | A Real Life Example of the Credit Score Impact

Tweet Today we open the doors wide on my credit score history so you can see how applying for multiple credit cards impacts your credit score. Because I really want to make it easy for you, I’m going to be transparent and list the cards I applied for between each application.  That way you can […]

Zero Reasons Why You Shouldn’t Track Your Credit Score for Zero Dollars

Tweet In order to satisfy my own curiosity, I ask people if they know their credit score when they complete a credit card consult request. Probably just under half of the folks don’t know their credit score. If you read this blog (and ever plan to sign up for a credit card), I think it […]

Credit Score Analysis | Should a Credit Score Drop Cause You to Adjust Your Strategy?

Tweet When I talk with newbies about signing up for credit cards to get free/cheap/discounted travel, one of the hesitancies is the impact on a person’s credit score.  Since my quarterly FICO score was just updated, I want to use my own score to help us analyze what is happening, and discover the important lessons […]

Free Flights May Be Moving Further Out of Reach for Stay at Home Parents

Tweet Everyone knows that the best way to collect frequent flyer miles is by taking advantage of the best credit card sign up bonuses.  In the last year, both my wife and I have accumulated thousands of dollars worth of free travel by strategically applying for (and getting accepted for) credit cards. As a working […]

The Best Way to Get A Free Credit Score – Credit Sesame

Tweet If you plan to play the free frequent flyer miles game and use the best airline credit cards to get bonus miles, you’ll need to track your credit score. To track your credit score, I’m currently recommending the free service provided by Credit Sesame. The score you get is not your FICO score. That […]