Let’s not beat around the bush here. Everyone wants to have a great credit score but not everyone is disciplined financially. Many people abuse credit cards, racking up consumer debt on clothes, fast food, luxury items, and really just things that they don’t need. What happens is that these same people can’t pay off the debt when the payment is due. So, they make the minimum payment month after month. Credit card companies take notice of these transactions and give them a horrible credit score. Because they got themselves into a hole, banks and credit unions won’t give them loans for things more important like auto loans or even mortgages. The good news is this doesn’t have to be you. If you use a credit card the right way, it can actually be very beneficial. In this article, I am going to be breaking down the top way on how you can improve your credit score using a very simple method.

  1. Pay off all debt

In order for your credit score to get better, you must show credit card companies that you can pay off the debt. When you finally get above water and make regular payments like you are supposed to, you will most likely notice that your credit score has improved. If you are dealing with larger debts, I would highly recommend using the debt avalanche method. This is where you pay off the debt with the highest interest rate first. This saves you money over the long run.

  1. No cash, no credit.

If you can’t afford to buy something with cash, don’t buy it. For beginners, I would recommend using credit cards for minor expenses like gas and groceries, things you know for sure you will be able to pay off when the payment is due.

Out of all the credit companies out there, I would recommend going with GreenSky Credit. At GreenSky Credit, they are very credible. GreenSky Credit has a staff that is committed to giving you the best loans possible. GreenSky Credit also has funded over one billions dollars worth of loans over the years. In the end, choosing to do business with GreenSky Credit is a wise choice.

Skout Does Potato Chip Survey

Social media application and company, Skout recently did a survey on potato chips on March 10th, 2016, a few days before National Potato Chip Day which is on March 14. The survey asked people what their favorite potato chip flavor was. It also aims to see if favorite potato chip flavor correlates to other things such as interests, personality and beliefs. The results are surprising! Here are some of the highlights of the survey conducted by Skout on over 3,046 residents based in the United States.

96% of respondents said that they enjoyed snacking on potato chips. People who responded that their favorite potato chip flavor was a citrus flavored one were found to have the largest social circles. About 42% of respondents who liked citrus flavored chips the best had at least five or more close acquaintances.

Hot and spicy flavors reveal something about the intimate part of a person’s life. People who like spicy and hot chips the most are much more likely to be adventurous and playful in the bedroom when it comes to intimate activity. The category of chips included in the hot and spicy section for the survey includes jalapeno and Cajun flavored varieties of chips as well as many others.

Chips can even reveal how active some people are to an extent. People who prefer low sodium or sodium free potato chips are the most likely to be active and exercise frequently. In fact, 14% of respondents who selected sodium free or low sodium potato chips as their favorite replied that they exercise almost daily. On the other end of the spectrum, people whose favorite flavor is cheddar cheese flavored chips or plain chips are the least likely to be active.

Potato chip flavors also revealed some insight into which candidate a person is most likely to support depending on their favorite flavor. People who support Donald Trump as the GOP candidate are highly likely to favor BBQ flavored chips. Ted Cruz supporters are likely to have cheddar potato chips as their favorite flavor.

As a way of giving back and to celebrate National Potato Chip day, Skout has teamed up with the San Francisco Marin Food Bank. When a person gave a potato chip sticker to another user on National Potato Chip day through their app, the company donated money to the food bank. The goal was to raise enough money to help feed over 20,000 people in the San Francisco Bay area. For more on Skout’s survey and their donation you can read this article published on PR Newswire.

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SKOUT Shouts-Out Its Users To Do Random Acts Of Kindness

Can you imagine how great it would feel to start the day and just when you have to pay for your morning coffee at the drive thru you realize someone in front of you a complete stranger just paid for it?

SKOUT the global app that helps you meet new people and expand your social circle, after making a short survey of 2,700 of its users about making and receiving an unexpected act of kindness thru out the day, this survey was made in honor of the Random Acts Of Kindness Week (Feb. 15 -20).

Their results showed up that 51% of college students perform random acts of kindness for someone every day and about 93% of all of the persons that fulfilled the survey have done something unexpected and kind for a stranger.

This survey also asked the college students to rank ten of the most usual acts and apparently buying some one you dont know a cup of coffee is much appreciated, but this does not mean you have to spend money to become a part of this new trending habit that has been gaining a lot of popularity, other people just sent a text to their friends and thanked them just for that for being their friend aint this just amazing!, also on number and not to popular is to go in to a retirement home and giving flowers or a hug to anyone that doesnt have to many visitors.

Whit this results now SKOUT is asking millions of its users to spread this kind actions around the world, because this app is available in more that 180 countries and in 16 different languages, download SKOUT for iOS, Android, Windows or sign up online at, also available on Facebook or Twitter (Hashtag #SKOUTkind)

You can find the original article that was reported on Uloop here: