I wanted to start off mentioning a core rule that Chase Bank follows when it comes to credit card approval criteria. Chase follows what they call a 5/24 rule, which means its almost impossible to get approved for a new Chase credit card if you have 5 + inquiries on your credit file in last […]
This is my master lender list of most credit cards in America, which has taken me over a year to put together and update. It started as a very simple list that wasn’t mine and had data on some cards like what bureau they pull from and some had credit scores they liked to see. […]
This will be a dedicated guide to Capital One credit cards that I hope will be one of the only stops you have to make in getting all the information you need in order to get your very first or additional Capital One cards. Capital One credit cards are a pretty mixed bag in terms […]
This will be a dedicated guide to American Express credit cards that I hope will be one of the only stops you have to make in getting all the information you need in order to get your very first or additional Amex cards. American Express credit cards are considered the pinnacle of cards to get […]
First off let me be clear about something, the contents of posts like “Best Tradelines For Bad Credit” are not sponsored and not “my pick” because I have an affiliation with the creditors. If you look around at your typical “credit site” like Nerd Wallet or Bankrate, they all do the same thing, which is […]
Its been a few weeks since I caught you up with the jobless numbers here on ItsDumbMoney, well this last weeks numbers came in at 2.44 million Americans filed for unemployment benefits for the first time. As you can see the peak has already passed and its on its way down, but the 9-week total […]
These numbers are the worst we have ever seen!
The days of easy credit approvals and clockwork CLIs may be ending soon!
In case you missed out on the first round of personal and small business loans, you may have another chance!
Fresh Consumer Credit & Debt Data Some fresh consumer debt stats for you (A mix of December 2019 & April 2020 data).. Average FICO credit score was 695 and on VantageScore it was 673 (as of December) Approximately 14% of the population has no credit score whatsoever and is labeled as credit invisible.(as of December) […]