{"@context":"https:\/\/schema.org\/","@type":"CollectionPage","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/#CollectionPage","headline":"Credit Category","description":"","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/","hasPart":[{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-build-credit\/","headline":"How to Build Credit From Scratch","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-build-credit\/","datePublished":"2020-01-16","dateModified":"2021-09-29","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-build-credit\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/#Person","name":"Kevin Mercadante","url":"https:\/\/moneydoneright.com\/author\/kevin-mercadante\/","identifier":36,"description":"Kevin Mercadante is a freelance personal finance blogger and the owner of his own personal finance blog, Out of Your Rut.\u00a0 A recent transplant to New England, he has backgrounds in both accounting and the mortgage industry.","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/72a4429f18d847c46a70224bd484ffbfb23442f656c1f81e0cc5332f6886d670?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-build-credit.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/11\/how-to-build-credit.jpg","height":960,"width":1440},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/borrowell-review\/","headline":"Borrowell Review 2025: Can Canadians Check Their Credit Score for Free?","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/borrowell-review\/","datePublished":"2020-01-02","dateModified":"2025-03-09","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/borrowell-review\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"description":"Logan is a practicing CPA and founder of Choice Tax Relief<\/b><\/a> and of course Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/09\/Borrowell-Review.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/09\/Borrowell-Review.png","height":430,"width":825},"keywords":["schema"]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/","headline":"Credit Sesame Review 2025: Is Credit Sesame Legit or a Scam?","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/","datePublished":"2020-01-02","dateModified":"2025-03-09","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/rachel-morey\/#Person","name":"Rachel Morey","url":"https:\/\/moneydoneright.com\/author\/rachel-morey\/","identifier":10,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e86277b0c2bb31fa47158365e8c140d2f8d181d9128d298388c6d428eaaa575?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e86277b0c2bb31fa47158365e8c140d2f8d181d9128d298388c6d428eaaa575?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/07\/Credit-Sesame-Review.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/07\/Credit-Sesame-Review.png","height":430,"width":825},"keywords":["schema"],"commentCount":"3","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/#Comment1","dateCreated":"2023-05-26 17:22:07","description":"WARNING: Credit Sesame is the WORST credit builder company in existence. In sum, they care more about their PROFITS than actually helping people build their credit. Here's why:\r\n\r\nSo I was in financial ruin (owed too much credit card debt, thousands in medical bills, multiple lawsuits, and eventually becoming bankrupt) so I needed to get back on my feet and fix my financial life. \r\n\r\nI thought the Credit Sesame Cash card was the perfect card for me in order to get me back up and improve my credit score because it was affordable (free to apply and no annual or monthly fees), it didn't require good credit score in order to get accepted, and, most importantly, help build your credit by providing you with the credit line you need in order to use it (which helps build your credit history), pay it back on time (which helps build your trustworthiness and financial responsibility), slowly increase your credit limit (which increases your credit score), and last but not least grow your credit age by keeping your credit account OPEN. \r\n\r\nUnfortunately, last week (5\/19\/23), after growing my credit for almost two years, Credit Sesame sent me this email:\r\n\r\n\r\n\r\nAs a valued Sesame Cash account holder, we want to give you advance notice of new account fees* effective June 15, 2023 or after.\r\n\r\nThe new fee structure is designed to ensure active users can still enjoy free banking services. Account holders who make a direct deposit of at least $500 or spend more than $1,000 during each monthly billing period continue to benefit from no monthly or inactivity fees.\r\n\r\nAccount holders making a direct deposit under $500 or spending under $1,000 during each monthly billing period are charged a monthly fee of $9.99.\r\n\r\nAccount holders with no money movement in or out of their accounts pay the monthly fee plus $3.00 for every 30 days of inactivity.\r\n\r\nThank you for being a loyal supporter of Sesame Cash. We look forward to sharing new features and benefits with you in the near future.\r\n\r\nBy continuing to utilize the services, you agree to the Sesame Cash Terms of Service and Sesame Cash Cardholder Agreement. If you do not wish to accept, you may choose to close your account. \r\n\r\n\r\n\r\n\r\nWas that a bait and switch move? Bait me with free credit builder accounts and then, a few years later, switch it with the same accounts but with monthly fees and other rules to get your money. And if I don't accept, I should close my account, which holds my whole credit history since its the only credit card I have.\r\n\r\nConsequently, You know what happens when you close your credit card account? Your credit score goes way down and you need to start your credit history all over again from scratch. This company doesn't care about your credit score and just wants to make extra money. Now it is going to take me two years to get back where left at. You know how hard it is to buy a home? To get a mortgage? To raise your credit to excellent in order to actually afford the mortgage? \r\n\r\nThey could have at least applied the new rule to NEW customers instead of the current ones since we didn't agree to monthly fees (I would have chosen another credit builder if that was the case). Unfortunately, due to Credit Sesame's greed and immoral business tactics, I need to close my account and toss my two-year credit history in the trash with it. \r\n\r\nThat is how Credit Sesame treats their valued customers. Valued indeed.","author":{"@type":"Person","name":"Messi","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/#Comment2","dateCreated":"2019-07-28 20:17:23","description":"Please help I was dumb it was posted about credit help so put social on know better then this please please help me!!Thank You","author":{"@type":"Person","name":"Lori","url":""}},{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/credit-sesame-review\/#Comment3","dateCreated":"2019-07-02 13:44:04","description":"I like to see my credit score please","author":{"@type":"Person","name":"Nico","url":"http:\/\/good"}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/selflender-review\/","headline":"SelfLender Review: The Ultimate Credit Builder App for You","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/selflender-review\/","datePublished":"2019-02-25","dateModified":"2025-04-29","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/selflender-review\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"description":"Logan is a practicing CPA and founder of Choice Tax Relief<\/b><\/a> and of course Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/02\/SelfLender-Review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/02\/SelfLender-Review.jpg","height":667,"width":1000},"keywords":null},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/tally-review\/","headline":"Tally Review: The Easy Way to Pay Your Credit Card Debt","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/tally-review\/","datePublished":"2019-02-21","dateModified":"2025-05-03","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/tally-review\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"description":"Logan is a practicing CPA and founder of Choice Tax Relief<\/b><\/a> and of course Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/02\/Tally-Review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/02\/Tally-Review.jpg","height":667,"width":1000},"keywords":null,"commentCount":"1","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/tally-review\/#Comment1","dateCreated":"2019-07-17 13:20:12","description":"Does Tally cover personal line of credit too or is it just credit cards?","author":{"@type":"Person","name":"Faith","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/mortgage-with-bad-credit\/","headline":"23 Home Financing Tips for People with Poor Credit","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/mortgage-with-bad-credit\/","datePublished":"2019-02-10","dateModified":"2022-08-24","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/mortgage-with-bad-credit\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"description":"Logan is a practicing CPA and founder of Choice Tax Relief<\/b><\/a> and of course Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/03\/home-financing-1.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2019\/03\/home-financing-1.jpg","height":667,"width":1000},"keywords":["schema"],"commentCount":"1","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/mortgage-with-bad-credit\/#Comment1","dateCreated":"2020-11-02 13:57:38","description":"Thank you, I have just been looking for information approximately this topic for a while and yours is the best I've came upon till now. But, what in regards to the conclusion? Are you sure in regards to the source?","author":{"@type":"Person","name":"Publisher","url":""}}]},{"@type":"Article","@id":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-improve-credit-score\/","headline":"How to Improve Your Credit Score: 17 Unbeatable Ways to a 700 or Above","url":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-improve-credit-score\/","datePublished":"2019-01-23","dateModified":"2022-08-19","mainEntityOfPage":"https:\/\/moneydoneright.com\/personal-finance\/credit\/how-to-improve-credit-score\/","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/logan-allec\/#Person","name":"Logan Allec, CPA","url":"https:\/\/moneydoneright.com\/author\/logan-allec\/","identifier":4,"description":"Logan is a practicing CPA and founder of Choice Tax Relief<\/b><\/a> and of course Money Done Right. After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. 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After spending nearly a decade in the corporate world helping big businesses save money, he launched his blog with the goal of helping everyday Americans earn, save, and invest more money. Learn more about Logan.<\/b><\/a>","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6e74dd0453a5871d1dcfde6d40d9494765ca8bfdb01927cefee4564d4bee9075?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/11\/The-Credit-People-Review.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/2018\/11\/The-Credit-People-Review.png","height":430,"width":825},"keywords":null}]}