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Len Penzo dot Com

The offbeat personal finance blog for responsible people.

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How Can I Find My Credit Score for Free?

By Len Penzo

Your credit score is a financial report card that tells lenders how risky it is to do business with you. The higher your score, the more likely you are to pay back a loan -- and that means that lenders will be more willing to offer you bigger loans ...

Continue reading How Can I Find My Credit Score for Free?

October 1, 2020

Good to Know: The 5 Criteria That Determine Your Credit Score

By Len Penzo

Your credit score is a financial report card that tells lenders how risky it is to do business with you. Scores range from 300 to 850.The higher your score, the more likely you are to pay back a loan -- and that means that lenders will be more ...

Continue reading Good to Know: The 5 Criteria That Determine Your Credit Score

September 24, 2020

How Do I Choose the Best 0% Purchase Credit Card?

By Len Penzo

A 0% purchase credit card offers zero interest on purchases for an introductory time period. After this period expires, any outstanding balances are charged a standard interest rate. Here are some important points to consider when finding the best ...

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September 17, 2020

What Is a 0% Purchase Credit Card?

By Len Penzo

As the name implies, a 0% credit card offers 0% interest on purchases for an introductory time period -- typically from 6 to 12 months. After the intro period expires, any outstanding balances are charged a standard interest rate. Avoid getting a ...

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September 10, 2020

How Do I Choose the Best Rewards Points Credit Card?

By Len Penzo

There is no magic to selecting the right reward points card. In fact, it basically comes down to just a few basic steps: Identify your most important perk. For example, if you're not interested in traveling, then consider a cash dividends or ...

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September 4, 2020

How Do I Choose the Best Air Miles Credit Card?

By Len Penzo

An air miles rewards card are perfect for folks who love to travel and have great credit -- so you'll want to make sure you maximize your dividends by using the following strategies: Compare interest rates and annual fees. Rewards cards typically ...

Continue reading How Do I Choose the Best Air Miles Credit Card?

August 26, 2020

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