Credit Pilgrim

Navigate Your Credit Successfully

Neal Frankle
I’m Neal Frankle, Certified Financial Planner™. Credit problems are a serious business. In fact they changed my entire family life when I was 16. This site is here to help you repair your credit without getting ripped off. Read my story.
  • Credit Repair
    • Credit Repair And How To Fix My Credit Efficiently
    • Lexington Law Reviews
  • Credit Cards
    • Credit Cards for Bad Credit List and Best Practices
    • Secured Credit Cards to Rebuild Credit
    • Credit Cards that Offer Free Credit Scores Monthly
  • Student Loans
    • Private Student Loans Guide
    • Refinance Student Loans Guide
    • Federal vs. Private Student Loans Guide
  • Mortgage
    • First-time Homebuyers Mortgage Guide
  • Blog

Credit Cards for Bad Credit List and Best Practices

by Kevin Mercadante

If you have experienced a run of bad credit, or if you have no credit at all, you’ve probably noticed that your credit score isn’t going anywhere – at least not in anything that looks like a positive direction. That’s because in order to offset bad credit, you need to have good credit. But if […]

Credit Cards that Offer Free Credit Scores Monthly

by Kevin Mercadante

(Scroll down to find list of credit cards that provide free credit score every month) Everyone is looking to get access to their credit scores. Yes, there are companies offering free credit scores, and those offers look very attractive. The problem is that the scores that you’re getting aren’t the real deal. Instead, they are […]

Using Secured Credit Cards to Rebuild Your Credit

by Neal Frankle, CFP®

If you’re in or just coming out of a bad credit episode, you may have found that getting new credit is no easy task. This is especially true if you’re trying to get a credit card. What you typically find is that, if you can get a credit card at all, they come with very […]

My Credit Cards are Maxed Out – Now What?

by Neal Frankle, CFP®

When you reach a point where your credit cards are maxed out, a whole chain of events begins to unfold, none of which are pleasant. It’s not a significant issue if one of your credit cards is maxed out. But if several or all are maxed out that’s a problem. And unfortunately, there isn’t an […]

Your Credit Card Limits Are Increasing – Is that Really a Good Thing?

by Neal Frankle, CFP®

It can be a real breath of fresh air when you open up a letter from a credit card company and find out that they just increased your credit card limit. After all, the mail often brings less satisfying correspondence, like bills. Not only does an increased credit limit bring greater spending flexibility, but it’s […]

Why It’s So Hard to Eliminate Credit Card Debt

by Neal Frankle, CFP®

There are all kinds of strategies when it comes to eliminating credit card debt – entire books have even been written on the subject. But anyone who has tried to do it knows it’s much easier said than done. After all, that’s why so many people struggle with huge amounts of credit card debt. The […]

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