Nov 092017

Today's question is: How does a large balance transfer affect my credit score?
Ask us your credit questions in the comments and find your next card at

Many credit cards have introductory balance transfer offers that are quite cheap. You'll need better credit to qualify for these cards. What happens to your credit when you open a new card and transfer one or more balances onto it?… Read the rest

Oct 082017

Today's question is: Does Opening A New Credit Card Hurt My Credit Score?
Ask us your credit questions in the comments and find your next card at

Several things happen when you open a new credit card, which could potentially increase or decrease your credit score. You'll be generating hard inquiries on your credit reports and also decreasing the average age of your accounts, which will both lower your score, but you'll also be increasing your total amount of available credit, which could improve your score.… Read the rest

Oct 062017

Learn to budget, beat debt, & build a legacy. Visit the online store today:

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Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions.… Read the rest

Jul 232017

Today's question is: Does having a 0% credit utilization hurt my credit score?
Learn more about 0% utilization here:

Learn more about utilization in general here:

Is it true that having a 1% credit utilization is better than having 0%? What's the difference between the statement closing date and the due date? When should I pay off my credit card balance?… Read the rest