The Points Doctor
This is my actual credit score history from March 2012 to November 2012 when I began using MyFico.com to monitor my credit on a monthly basis. In that time, I have applied for and received eight new credit cards. My overall score has changed very little. Credit experts will tell you as long as your score is over 760, you will be offered the best loan rates by banks. I employ two credit-monitoring services. Credit Karma is free. MyFICO.com is $15/month.
I would suggest that anyone who utilizes this strategy should have a credit report done prior to getting started. Your credit is one of your most valuable assets. Using this approach correctly will not damage your credit as long as you pay your debts on time and in full each month. Paying interest or fees on these cards will quickly erode any value you might gain from the points.
The techniques used in this article while simple, may be easier to implement correctly when used in conjunction with reading my blog. I am here to help you navigate your way through this process. For more in-depth information on credit scores, the application process, the best current deals available and much more, visit www.ThePointsDoctor.blogspot.com.
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About The Points Doctor
The Points Doctor is Bruce J. Wilderman DDS of Artistic Expressions Dentistry. Dr. Wilderman has a practice limited to Cosmetic Dentistry, serving patients of the Philadelphia Area since 1986. He and wife of 30 years enjoy traveling the world for little or no money with the points and miles they have earned from the credit card companies. Dr. Wilderman would love to teach you how to do the same. You may reach him at ThePointsDoctor@comcast.net.
Disclaimer: In exchange for some of the links provided by me on my blog, I will receive a small compensation from the banks for your referral. While it is not necessary to use them, I always appreciate the use of my sign up links. I will always provide the most current and best credit card sign-up bonuses on my blog regardless of whether or not I receive compensation.