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JUPITER-ASCENDING

Score FREE Jupiter Ascending Movie Screening Tickets!

They currently have screenings in Arizona, California, Colorado, Connecticut, Georgia, Hawaii, Illinois, Indiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Washington, and Wisconsin.

 

Amazon-Wedding-Registry

Score a FREE $20 Amazon Gift Card when you create a wedding registry. Create a wedding registry on Amazon and add an item to it within 24 hours. You will receive your gift card via email 1-2 weeks after registering.

Terms & Conditions: While supplies last, receive a $20 Amazon.com Gift Card when you create an Amazon Wedding Registry and add an item to it within 24-hours. You will receive your Amazon.com Gift Card via email from Amazon one to two weeks after registering. Must be a new customer of the Amazon Wedding Registry in order to be eligible. Offer valid until 12/31/2015

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Sundown-Naturals-B12

Be one of the first 50,000 to sign up in the link provided and receive a FREE Sundown Naturals B12 Gummy Sample Packet. You will also get a $2 coupon.

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6-Plus-Screen-Protector

Maxboost is currently offering FREE Tempered Glass Screen Protectors for iPhone 6 and 6 Plus in exchange for an honest review from you! Just fill out the form with your amazon review profile.

Clinique-Smart-Custom-Repair-Serum

Score a FREE Clinique Smart Custom-Repair Serum 10 Day Supply when you stop by a Clinique counter near you.

No purchase necessary. One per client. While supplies last.

Yulu-Aussie-Style-Yogurt

Through January 23rd, 2015, log in or register to your mPerks account and clip a coupon for a FREE Yulu Aussie Style Yogurt at Meijer.

Valid for Yulu Aussie Style Yogurt (5.3 oz.) All Varieties. Subject to Availability. Offer valid thru 01/23/2015.

 

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Theme-Hospital

Origins is currently offering FREE Theme Hospital Game Download (regularly $4.99).

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The-Duff-Movie

Score FREE The Duff Movie Screening Tickets.

They currenty have screenings in Arizona, California, Colorado, Connecticut, Florida, Illinois, Indiana, Massachusetts, Michigan, Minnesota, Missouri, New York, North Carolina, Oregon, Pennsylvania, Texas, and Washington.

 

fico_factors_chart

Many consumers, such as college students, who get their first credit card, do things that damage their credit score without even knowing it. In fact, a 2014 survey conducted by Credit.com revealed that many consumers don’t understand what actions may improve or lower their credit scores.

Before you can take the necessary steps to improve your score, you should understand the basics. One of the most widely used credit scores is the FICO score which ranges from 300 to 850. A score of 750-850 is excellent, a score of 700-749 is good and a score of 650-699 is fair. With higher scores, come better loan terms and lower interest rates.

In addition to the FICO score, there is a VantageScore which was created by the three credit bureaus: Equifax, Experian and TransUnion. This score ranges from 300 to 850 and while it is growign in popularity among lenders, it still isn’t as widely used as the FICO score. Your credit score will vary by credit bureau depending on when it was calculated and what specific formula was used.

Credit.com offers a free VantageScore 3.0 and a Experiean credit score while Credit Karma provides a free VantageScore and a TransUnion credit score with its credit report card. Quizzle offers a free VantageScore 3.0 from Equifax. Alternatively, you can also just pay $19.95 per FICO score from all the three bureaus at myFico.com.

In addition to this, credit card issuers such as Discover, Barclays and First National Bank of Omaha currently provide FREE FICO Scores. If you can wait, Bank of America, Citigroup and JPMorgan Chase (only Slate cardholders) will begin providing FREE FICO Scores to credit card customers later this year.

Once you know what your score is, you can take some steps to improve it:

1. Pay On Time

One of the top factors that go into determining your credit score is payment history. Payments that are 30 or more days late can really bring down your credit score. Based on data from  myFICO.com, 68% of consumers with accounts past due have a score of 650 while 96% of consumers with a credit score of 800 pay credit accounts on time.

Even if you just pay the minimum, always pay on time since that will have a larger impact on your score that the actual amount that you pay. You can do things such as set up automatic bill pay through your credit or bank account so that you never miss a payment.

2. Minimize use of available credit.

The second most important factor that is typically used in determining your score is your utilization rate, which is how much debt you have compared to the amount of credit you have available. According to myFico.com, those with a credit score of 800, have a 7% credit utilization rate while those with a score of 650, maxed out their available credit.

Shortly after you pay down highly utilized credit accounts, you should see a large increase in your credit score. If you can’t pay off your maxed credit cards, you should consolidate your balances with a personal loan from a bank since the credit utilization ratio (total credit balance divided by total credit limit) for these types of loans aren’t factored in the same way and will have a lower impact on your score.

3. Maintain low or no balances.

Typically those with excellent credit scores, almost always keep low balances on their cards. On top of that, they don’t pay interest since they pay their balances in full every month. What you should get from this is, you should only use your credit card for things that you can afford to pay off with cash.

4. Have a lengthy credit history.

Those that have credit scores of 800, usually have an average account history of 11 years (the oldest account being 25 years old). In comparison, those with scores of 650, typically have a average account history of 7 years with the oldest account being 11 years old. Getting several new credit cards at once can therefore shorten your average age of your credit history, which is factored into your credit score.

On top of this, closing old, inactive accounts can also hurt your score. While you won’t see the impact right away since closed accounts remain on your report for 7-10 years, it could lower your average age of accounts when it does finally fall off your report. On top of this, some credit scoring models will only take into account the average age of open and active accounts. Unless you curtail your spending, closing an account will also negatively impact your overall credit utilization ratio since that line of available credit will no longer be accessible to you.

5. Only apply for credit when necessary.

Make sure to keep a healthy mixture of lines of credits that include credit cards, auto loans, mortgages and personal loans since it will help lenders trust you. However, don’t go crazy in applying for new lines of credit. Sure the more available credit you have, the lower your credit utilization ratio will be, but that doesn’t mean you should apply for every line of credit that is offered to you. Multiple inquiries on your credit report over a short period of time can really lower your score if you have a short credit history. Also, when shopping for cars, make sure to choose a lender beforehand and get pre-approved for a loan. Often times if you let a dealer shop for your credit, you can get several hard pulls on your credit report which can negatively impact your score.

6. Choose credit cards carefully.

The higher your credit score, the better the credit card offers. However, be smart in what cards you choose. Sure retailers will give discounts on purchases if you sign up for their credit cards, but these cards will often have low credit limits that can hurt your credit utilization ratio if you carry a balance on them.

Additionally, you should avoid cards with annual fees unless they have lots of benefits that outweigh the fee such as cash back rewards and miles that can be used for travel. If you opt for one of these cards you should try to look for cards with the fee waived for the first year. This will allow you to evaluate the card and see if the rewards are worth the cost of the card.

KY-Ulta-Gel

Valentine’s Day is coming up and so is a moneymaking deal on K-Y Ultra Gel! Next week, Walgreens will have K-Y Ultra Gel on sale for $6. In addition, you will earn a $6 Register Reward when you buy one. Combine this with a$1.00 off any ONE (1) K-Y Product printable coupon and it will be a $1 moneymaker!

Deal Breakdown
K-Y Ultra Gel, 1.5 oz $6.00 (sale price 1/25-1/31)
Promotion: Buy 1, Receive $6.00 Register Reward 1/25-1/31
Use: ONE (1) $1.00/1 – K-Y Product (coupons.com)
Pay $5.00
Receive $6.00 Register Reward

Final Price: $1.00 Moneymaker

$1.00 off any ONE (1) K-Y Product