Having a great credit score is very important if you want to qualify for any quality loans out there. If you don’t have a good credit score, you may not be able to get the house you want, the car you want, or even the apartment you want. Your credit score simply shows how well you pay back borrowed money. If you pay back everything when it is scheduled, you will most likely have a great credit score and vice versa. Unfortunately, a lot of Americans are impulse spenders and the total credit card debt shows this. The good news is that if you are in credit card debt or have no credit card whatsoever, there are ways that you can obtain and maintain a great credit score. In this article, I am going to be going over some of the ways that you can do this.

  1. Pay off all debt

If you are already in debt, your first financial goal should be to get out of it. You can either use the debt avalanche or the debt snowball to pay off your debt. The debt avalanche is where you pay off the debt with the highest interest rate first. If that is a fairly large debt, I would recommend this method. If you have smaller debts, I would recommend the debt snowball as this will give you confidence moving forward.

  1. Only put on credit what you can afford

For beginners, I would recommend putting minor expenses like gas and grocery bills on credit. This way, it won’t be hard to pay off and you will still be building your credit. Another way to build your credit fast is to get a cosigner for an auto loan.

  1. Check your credit report

Sometimes, credit card companies may mess up your credit report. There may be an error somewhere in it. Combat this by checking it.

If I was to choose a credit card company to go with, it would be GreenSky Credit. At GreenSky Credit, there are over 12,000 active merchants ready to help you. GreenSky Credit has also loaned over $1 billion dollars since it has been founded. GreenSky Credit also has 1.6 million satisfied customers with them. All in all, GreenSky Credit is the right choice.

FreedomPop Now Has A Wi-Fi Calling Plan For Only $5 Per Month

Whoever thought that a company would be brilliant enough to save their customers money by allowing them an option to use Wi-Fi service to make phone calls, send text messages, and to use the Internet? FreedomPop is that company because they’ve implemented a new plan that allows users who want to pay very little or nothing for their cell phone service to get it directly from FreedomPop Wi-Fi. A FreedomPop review still shows that they have the free cell phone service that will include talk time, text messages, and data. The fact that the data is limited to 200 MB may turn some people off.

Even with limited data, anyone can choose to use Wi-Fi in order to get the extra data that they want on their phone. If Wi-Fi is not available to a person, they can either get the Wi-Fi service from FreedomPop or can choose the FreedomPop Wi-Fi calling option. Both the Wi-Fi service, as well as the Wi-Fi calling option, is only five dollars per month, and the service is completely unlimited, which allows its user to use as much Wi-Fi as they want. There are currently over 10 million Wi-Fi hotspots that FreedomPop has.

Anyone who doesn’t feel like they want to deal with Wi-Fi services can always choose to get the unlimited service from FreedomPop, which is a mere $19.99 per month. The unlimited service will use cell phone towers to bring service to the user’s phone, which means they’ll always have access to the Internet, even if they don’t have Wi-Fi on their phone. The unlimited plan comes with unlimited talk, text, and web, but expect to have 3G speeds after the 1 GB of 4G LTE data is used up.

There is also a plan that’s in between the free plan and the unlimited plan, which is the paid plan that only costs $10.99 per month. The paid plan will have unlimited talk, as well as text messages, but the data is limited to 500 MB unless the user is able to obtain more by completing offers. Using Wi-Fi service while being on the paid plan is also another way to gain access to additional data, without having to worry about going over the 500 MB limit. Those who do go over the limit and have their automatic top up turned off will have to pay $0.02 cents per megabyte for more data.

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The Popularity of Freedom Pop Goes Global

FreedomPop is offering 100 percent free internet and mobile phone service, as long as the area you live in has the service. There are absolutely no gimmicks and no contracts to hassle with. FreedomPop charges close to $20 a month for unlimited talk, a text plan, and a 1GB data plan. Basic plans and limited service make the plan free. This limited service includes free 4G LTE data, 200 minutes of calling, 200 texts, and 200 MB of data. The 200MG of data is the same as 100 web pages. People who refer their friends and family will get free 4G LTE data service for that month. For as little as $5 a month, people have access to FreedomPop’s wifi services. Freedom Pop was publicly released in October 2012, although discovered in 2011, by Stephen Stokols, who serves as their CEO, with the help of Steven Sesar. Stokols was inspired to create Freedom Pop when he worked for BT Mobile. FreedomPop is based in Los Angeles. Nicholas Constantinopoulos is the president of Freedom Pop International.

Nicholas Constantinopoulos was recently interviewed on Mobile World Live. Kavit Majithia interviewed Constantinopoulos who announced a $50 million funding for other parts of the world. The United Kingdom was a test launch in September 2015 that went very well. To prepare for the test launch, Constantinopoulos had obtained data from people in the United States who were already customers. This prompted 250,000 UK customers to sign up for the waiting list as early as September 22, 2015. He is hoping to launch internet and mobile phone services in places like Asia, Africa and Latin America this year. The United Kingdom has joined a partnership with KPN, a Dutch carrier that will supply FreedomPop service to European countries such as UK, Germany, France, Spain,and others. The United Kingdom was at first suspicious of the free deals that FreedomPop offers.

Check out this FreedomPop review on Android Central

Skout Supports Random Acts Of Kindness Week

The news is in, and a survey shows that college kids that were part of Skout’s user population surveyed recently are likely to be involved in random acts of kindness. The survey was published as part of a write up on Uloop’s website, which contains statistical information and suggestions for random acts of kindness (in case you need some inspiration for your acts of kindness). The week long celebration is from February 15th to February 20th, but these random acts of kindness can occur throughout the entirety of the year. The joyous celebration that Skout is promoting with their surveys is meant to inspire kindness and friendship in random places that you might not realize could occur.

Random acts of kindness can generate feelings of appreciation that spread like wildfire. People see what they can do by observing the affects that the random acts have on other people, and they are likely to do these random acts themselves. The idea behind random acts of kindness is to think from your heart and be impulsive when you help others in your life or in your community.

It’s really impressive that college students surveyed for Skout’s recent poll were already admitting that they do random acts of kindness. The statistics of the survey indicate that 51 percent of the 2,700 college students interviewed for the survey were already doing random acts of kindness on a regular, daily basis. Then, another stat indicated that an outstanding high percent, 93 percent have done something random and kind for a stranger in the past.

The article from Uloop also shows how the users that were surveyed rank random acts of kindness. The top random act of kindness on the ranking was to pay for someone else’s coffee of food in a drive through. There are a bunch of other very kind and compelling acts on the list, so be sure to check it out if you need inspiration. Skout is an online dating and social media website that is helping link people all over the world. Join Skout in their support for random acts of kindness. You can view the article from Uloop for more information about Skout by going here.

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