Victory From Debt and Investing for the Future

The world tells us building credit is a must. If you already have bad credit then yes you need to repair your credit.  Did you know no credit is better than bad credit?  No credit is when you have no loans or credit cards to your name.  This can happen by never opening a line of credit or having closed your credit and it dropping off after several years. No credit says I have paid all my bills with money on hand and thus have not needed to borrow money.   When you look at it like that it makes sense how this is the best option however creditors like mortgage lending tend to look at this as a negative because of the if statement well if you had a large loan I have no proof that you would pay it regularly.  That why they prefer a good credit history. However, there are many companies that are completely willing to underwrite to people are excelling and not going in debt. Credit Cards are risky which is why the companies are so profitable for them not for you...

1. Now I don't recommend this while in debt but once you are down to no debt or only a mortgage than I think these are ways to add bonuses to your spending. 2. I only recommend these if you set up a recurring bank to pay the full balance each month.  If you have a balance that rolls from month to month your interest charged will outweigh any earnings. Credit card in store earnings other earnings conversion rate- in-store rate- other Annual Fee BONUS BabiesRUS 2 for $1 1 for $4 125 points=$5 8% 1% no SPG -Am Express 6 for $1 1 for $1 15000=$120 4.8% .8% $0/$95* +25000 points for $3000 in 3 months. +Transfer your Starpoints directly to miles with frequent flyer program they'll add 5,000 bonus points for every 20,000 you transfer at a time. Enjoy 1:1 Starpoints-to-miles exchange rates on most airlines Venture One 1.25miles per $1 100miles=$1 1.25% no 20000 miles for $1000 in 3 months Barclay Cash additional 5% cash rewards redemption bonus net 1.575% 1.50...