Credit Help

How Much Damage Is Your Credit Score Really Doing?

Phoebe Berline
How Much Damage Is Your Credit Score Really Doing?
Quick FYI: The companies and recommendations in this post contain sponsored links. Which means A Quarter Richer receives compensation or a commission. You can learn more about our Advertising Policies by visiting here. We are telling you this because honesty is the best policy.

Bad credit is seriously bad for your health.

That’s according to research released by the Federal Reserve Bank of Atlanta. People with bad credit are significantly more likely to die early, than people with higher credit scores. The bigger the financial setback, the more likely you are to die an early death. Falling behind on payments can have even more severe effects on your health.

The good news is that the study also found that when people increased their credit scores by at least 100 points, they decreased their odds of dying early.

Here are 20 simple tips on how to increase your credit score, decrease your debt and get financially healthy in 2019:

1. Get A Loan Even With Bad Credit

You can't get out of debt unless you have a clear plan.

Finding the right personal loan and getting approved can take months. Who has months to wait for a loan? That’s why Even, the leading search, comparison and recommendation engine for financial services created “Fiona”.

Fiona is the fastest, easiest, most comprehensive way to search loans and savings accounts from the top providers. By filling out a simple form, Fiona checks if you are pre-approved and gets the best offers from the top providers for you in seconds, so you can get instantly matched with the right personalized offer all in one place. You can borrow as much as $100,000, with loan terms up to 7 years. The interest rate you’ll pay will depend on your creditworthiness. It will take you less than 60 seconds to apply.

Check Out Fiona Now

2. Use This Trick To Protect Your Mortgage

Most Americans have little money in their 401k accounts

If you own your home, chances are you have a mortgage. What would happen if you or your spouse died? How would you pay the mortgage? A trick many people do is get an inexpensive life insurance policy to cover the mortgage in case they day.

A term life policy from Bestow Life Insurance is easy and affordable. Plans start at $3/month. If your relatively healthy and between the ages of 21-55 you can easily qualify. There are NO medical exams.

Unless you plan on hitting the lottery, you should think about getting an affordable life insurance policy. Don’t leave your family with a pile of bills that don’t have Ben Franklin’s picture on it.

Get Bestow Now

3. Get A Smart Loan If You’re In A Jam is a short-term loan connection service.

LendJet is a smarter personal loan service. The lenders in its network offer loans up to $10,000. LendJet provides flexible payment terms, giving you more time to repay your loan. Plus you’ll only have to fill out one short application to be connected with multiple potential lenders. You can save time from the [stressful process of searching for an quicker loan], that doesn’t take advantage of you(

Connect W/ LendJet

4. Get A Line Of Credit At This Amazing Store

You can get a guaranteed unsecured $500.00 line of credit from Horizon Gold Card

You can get an unsecured in-store line of credit from Gettington. You can make purchases at their online store for items like Designer Clothes, Computers, Flat-screen TV’s, Jewelry, Household items and more. They stock most of the best name brand products you could want like Michael Kors, Tory Burch, Ralph Lauren, Dyson Vacuums, Apple to name a few. The Gettington Credit Account is also geared toward those looking to rebuild their credit.

Get Approved Here

5. Work Smarter Not Harder

Earn Extra Money Filling Out Online Surveys

Vindale Research is legitimate and pays you for your opinion as a consumer. Vindale makes money by selling the questions you answer to companies like Coca-Cola, Johnson & Johnson, and General Electric (GE) hire firms to improve their products or services.

The most popular way to earn money on Vindale Research is through surveys and panels. The majority take between 5 and 15 minutes to complete and pay $0.50 to $2.00 each. It can take up to 5 business days to be credited to your account.

Fill Out A Survey Today

6. Re-Build Your Credit Wisely

Get Your Free Credit Report From Credit Sesame

Self was built to help people with no credit or bad credit improve their FICO scores. You simply “loan” yourself money each month. You set the amount and you pick the time frame (1 or 2 years). Self reports to ALL 3 credit agencies!

When your finished, you have a nest egg of hundreds of dollars that also earned interest. Your FICO score should be much healthier and you will be happier. Your Self account is FDIC insured like at any bank, so you have nothing to fear on that note.

If your goal is to get your credit on the right track you must try Self!

Get A Free Credit Score

7. Handle Your Tax Debts

The Internal Revenue Service (IRS) is relentless and if you owe them money

There are only two things in life that are guaranteed - “death and taxes”. The Internal Revenue Service (IRS) is relentless and if you owe them money it has sweeping effects across all aspects of your life. The IRS has the power to garnish your wages, seize your assets and place a lien on your property in order to obtain the money that you owe them.

If you owe the IRS and need assistance getting a loan may be your best option. IRS debt may be the most stressful debt a consumer can have, so settling it can be very important to your long term health goals.

Get IRS Help Here

8.Dump Your Car Loan

If you bought a new car, truck or suv in the past 24 months you're probably are paying too much in interest.

If you bought a new car, truck or SUV in the past 24 months you’re probably paying too much in interest. Getting a new car can be fast and easy — and can put more money in your pocket. You may be able to reduce your monthly payment and boost your total savings on interest by getting a new car loan.

If you want to lower your current car payment or simply upgrade your ride check out Smart Auto Saver. They can get you into the new car of your dreams at the payments you can afford.

Check Rates Here

9. Stop Paying For A Useless Utility

If you are paying a cable company to watch television you're paying way too much!

If you are paying a cable company to watch television you’re paying way too much! The average consumer pays almost $1,500 a year to watch cable.

Get FuboTV and save over 50% on cable. You can stream all your favorite local and cable channels for a fraction of the cost. Millions of Americans are quitting cable every month. The cable company doesn’t need your hard earned money.

Quit Cable Now

10. Apply For A Loan On Your Terms

No matter what point we are in our lives, we will need a loan.

Credible maybe one of the best personal loan services in the US. You can borrow up to $100,000 and you can use that loan for basically anything. Whether your starting a small business, planning a wedding, buying a new car or what ever the reason Credible has a quick and easy application process.

If approved, you can get the funds in as little as 24 hrs.

Get Credible Now

11. Never Wait For Your PayCheck Again

Trim is a free chatbot that can save you money in seconds!

Living paycheck to paycheck is the worse feeling. When you have a full-time job you should have access to your pay when you need it.

That’s why they made Earnin! Earnin is an amazing mobile app that gives you access to your paycheck whenever you need it. When you need cash before payday, you simply request it through their mobile app. The money will be deposited directly into your account. The only fee you pay is a”tip”. Earnin is a MUST HAVE app to make sure you never have to wait for pay day to have access to cash.

Download Earnin Here

12. Get Paid In Gift Cards For Doing This

Shopkick pays you for window shopping

If you love to travel, you need to get Swagbucks.

Swagbucks is one of the web’s most popular rewards program and is partnered with top brands like Amazon, Walmart, and Target. One Swagbucks user reported that she’s earned $450 towards flights with Southwest Airlines Gift Cards.

Here’s how it works. You get cash-back when you shop online, take surveys and more. You can consistently make about $5 per day watching videos on Swagbucks. Redeem points for gift cards to Amazon, Target, Walmart and more, or get cash deposited into your Paypal account.

Get SwagBucks

13. Restructure Your Mortgage

There is a little known program known as the FHA streamline refinance

There is a little known mortgage program known as the FHA streamline refinance program. It is available to homeowners with an FHA loan who want to lower their mortgage rate and monthly payments. It doesn’t require a credit check, home appraisal, income verification, or any money out of pocket. The process is streamlined, requiring less paperwork for a speedy refinance.

You must currently have an FHA-insured mortgage, your mortgage has passed the 210 day waiting period and you are must be current on your loan payments. Program Bonus - You only need a 620 FICO score.

Learn More

14. Make Money Watching Movies

Cleo will respond with detailed answers.

Inbox Dollars is one of the world’s leading online rewards clubs, and works with top brand names like Walmart, Netflix, Target, and H&R Block. Earn up to $225 a month shopping, reading email offers, and even watching online TV right on your mobile device.

How it Works: Choose a video selection (topics include TV shows, movie previews, cooking videos and more). InboxDollars lets you know how long each playlist runs from a few minutes to a half hour. Select a playlist, watch, and earn cash. Signing up with InBoxDollars is fast and easy.

Earn Side Cash

15. Invest Your Spare Change

Acorns has modernized the old-school practice of saving loose change

If you’re struggling to save for the future, we have a solution for you. Acorns has modernized the old-school practice of saving loose change with an automated savings tool.

Acorns a free app that rounds up your purchases on linked credit or debit cards. It then sweeps the change into a computer-managed investment portfolio. Your spare change is invested in blue-chip stocks and mutual funds. Investors pay $2 a month to add on an individual retirement account. Knowing your spare change is being stocked away in a retirement account could make your stress go down a little each month.

Start Investing Today

16. Get A Loan On Your Terms

If you have more than $5,000 in credit card debt, you can consolidate them with one loan at a lower interest rate.

If you have more than $5,000 in credit card debt, you can consolidate them with one loan at a lower interest rate. If you are paying more than 14% in credit card interest, you could save thousands of dollars by consolidating your credit card debt into 1 loan.

Finding the lender to work with your unique situation is extremely important. GuidetoLenders can help you find the right lender, right now. You can matched to the lender based on your credit history and get the payment terms you need. Getting out of credit card debt maybe the most important thing you do in 2019!

Get The Guide

17. Explore A Side Hustle

Some Avon reps have earned over $200,000 in one year alone

If you are in debt or have a low FICO, making a little extra cash is the best shovel to help you dig yourself out of that whole. Avon is a booming home-based business. This isn’t your grandmother Avon. Some Avon reps have earned over $200,000 in one year alone.

Avon offers employees unique benefits like education assistance, health benefits and training on valuable social media marketing skills – making it different from the typical side hustle.

Today’s Avon e-Representative gets micro-blogging to web analytics skills. Avon is going digital – and entering the “fast beauty” fray. Specifically, Avon’s focus is on creating an army of e-Representatives armed with their own personalized Avon store web sites.

Get Your Free e-Store

18. Payoff Your Medical Debts

Did you know that medical debts are the number 1 reason why most Americans need to file for bankruptcy!

Did you know that medical debts are the number 1 reason why most Americans need to file for bankruptcy! OppsLoan can assist you in finding a loan to consolidate all your past medical debts. Their rates are as low as 4.9%APR and if approved, you can get funds in as little as 24hrs.

If you’re drowning in medical bills you should look to consolidate today. Your life shouldn’t sink just because you or a loved one got sick.

Apply Today

19. Always Shop For The Best Price

Paribus, from Capital One, can save you up to 20%

Did you now that most major retailers like Amazon, Walmart, Macys, Target and more price guarantee their products. What does that mean? Well, if you buy a sweater today and it goes on sale tomorrow, you are due the difference in price. But, you the consumer, must go to Amazon and tell them that they owe you money.

That’s were Paribus, from Capital One, comes in.Paribus can save you up to 20% by tracking all the items you buy online and making sure you paid the lowest price. Paribus is a simple app that scans your email confirmations from the stores you shop at most. If you should have paid a lower price, Paribus will automatically start the refund process for you. The money get refunded to your credit or debit card.

Get Paribus Now

20. Shop For Cheaper Car Insurance

 If you bundle your auto insurance with your dwelling insurance you can save up to 30-50%.

If you own you home or even if you rent, you need to bundle your insurance. If you bundle your auto insurance with your dwelling insurance you can save up to 30-50%. If you haven’t explored this option you are wasting money.

Get Cheaper Insurance

Final Thoughts

When it comes to beating bad credit, you’ve got several online tools and services at your fingertips. Here are the five tools we would recommend you use ASAP:



Credit Sesame