About Kevin Williams

Kevin works as a independent consultant, helping people improve their financial situations. The author has a BS and Masters along with years of experience with credit cards, techniques for improving individual credit and life.

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WalletHub’s 2015’s Best & Worst Cities for Wallet Wellness

Recently, we received an email from WalletHub about the best and worst cities for wallet health and thought to share it with our audience. With the biggest shopping events of the year fast approaching and only two in five American adults keeping track of their spending, WalletHub conducted an in-depth analysis of 2015’s Best & […]

Worst Credit Cards of 2015 (according to CardHub)

Trick or Treat? Halloween is full of fun and fright for adults and kids alike. We all love a good scare, but when we think about finances, we are all a little more bad scared than good scared. In the spirit of Halloween, the experts at CardHub compared over 1,000 credit cards to determine the […]

4 Steps After You’re Denied Credit

So you’ve applied for credit or a loan and been denied. What happens next? What are you suppose to do? If you are like most, you may ignore the denial letters you receive or close down the browser window telling you the unfortunate news. However, that’s your first step: acceptance. Understand that you may have […]

3 Tips When it Comes to Holiday Credit Card Offers

Each year, credit card agencies, retailers and even a few local businesses offer discounted rates on purchases in anticipation of holiday spending. 2014 Christmas shopping season is already underway. At our local Cracker Barrel we have gone straight from Independence Day and summer themed decor to Christmas toys and attire. Christmas is 3 month away, slow your […]

5 Ways to Improve Your Chances of Getting Approved

For some, credit is an afterthought; credit comes naturally and in large amounts. Others, ummm, not so much. Maybe you went through a divorce.  Maybe your parents or family contributed to you not-so-high credit score. Or maybe you had good credit but over-extended yourself. No matter how you got there, your situation is real and […]