Sarah Sharkey

09/30/2022
Rebuilding Credit After a Divorce

How to Rebuild Credit After a Divorce

There is no denying that going through a divorce is a challenging and stressful time. On top of the emotional cost, there are financial costs that often tag along with divorce. One of the many ways that a divorce can impact your finances is by negatively impacting your credit score.
09/15/2022
Missed payment poor credit score

How Does a Late Payment Impact Your Credit Score?

Payment history accounts for 35% of your FICO score. So, if you miss a payment, that could have a big impact on your credit score. Let’s explore how a missed payment will affect your credit score.
09/01/2022
Bankruptcy court

What Is Bankruptcy and How Does It Impact Your Credit?

When you file for bankruptcy, it’s usually because you have no other option for your finances. Although it might be the right choice for your situation, the decision to file for bankruptcy will have a negative impact on your credit.
08/12/2022
Recession credit score graph

How to Protect Your Credit Score During a Recession

When a recession is on the horizon, it’s time to prepare your finances for the potential storm ahead. Although a recession can batter personal finances across the country, it’s possible to protect your financial situation and credit score with a bit of preparation.
08/04/2022
Building credit in the military

Credit Building for Military Members

As a member of the military, you face tough challenges on a regular basis. The tenacity and perseverance you build during your career can translate into other aspects of your life. One place to channel your energy is into building a great credit score.
07/29/2022
Car shopping

How to Build Credit for a Car Purchase

If you are planning to take out a loan for your car purchase, your credit score matters. It can take time to build up a good credit score. But the results can be well worth the effort.
07/27/2022
Cosigning a contract

How Cosigning Impacts Your Credit Score

Are you considering cosigning a loan? Let’s explore how this action could impact your credit score.
07/22/2022
Building credit to purchase a home

How to Build Credit for a Home Purchase

Homeownership is a big financial goal. Although there are many important steps on the path to your dream home, building a good credit score might be the most critical.
07/15/2022
Rent payments on your credit report

How to Build Credit Without a Credit Card

A good credit score is a key to accessing financing options on major purchases. Building credit can be easier said than done. One popular way of building credit is to use a credit card. But that’s not the only option.
07/07/2022
Medical collections on credit reports

How to Remove Medical Collections From Credit Reports

Anytime one of your bills heads to collections, that’s bad news for your credit score. But depending on your situation, it may be possible to have the medical collection removed from your credit report. Keep reading if you want to eliminate this bad spot from your credit report.
06/29/2022
Building credit when young

How to Establish Credit While Young

Just like it’s a good idea to save money while you are young, it’s also a good idea to work on building your credit score while you are young. The right credit score can set you up to tackle many of the financial obstacles life throws your way.
06/24/2022
Credit card utilization ratio

Everything You Need to Know About Credit Utilization Ratios

A better understanding of your credit utilization ratio can help you manage it with your credit score in mind. Let’s explore what your credit utilization ratio is, plus everything you need to know about managing your credit utilization ratio.
06/22/2022
Credit card interest

How Credit Card Interest Works

Credit card debt can get expensive quickly. The notoriously high interest rates that come attached to your credit card can let even a relatively small balance get out of hand quickly. So, understanding how credit card interest works can help you avoid hefty interest charges that could derail your financial plans.
06/14/2022
Irregular income graph

How to Protect Your Credit Score When You Have an Irregular Income

An unpredictable income can make managing your finances a bit more complicated. But with a little bit of planning, you can map out a strategy to protect your finances and credit score from the swings of an irregular income.
06/07/2022
Credit card mistakes

Credit Card Mistakes to Avoid

Credit card mistakes can eat away at your budget and your credit score. Let’s explore the most common credit card errors and what you can do to avoid them.
05/25/2022
Using a Budget to Improve Your Credit Score

How to Use a Budget to Improve Your Credit Score

A budget is a helpful tool that can help you manage your finances effectively. In this guide, you’ll learn how to use a budget to improve your credit score. Plus, take a look at the most popular budgeting options.
05/20/2022

How to Grow a Thin Credit File

A thin credit file can be problematic. Although your finances may be in good shape, a thin credit file can make it challenging to access financing for major purchases when you need it. The good news is that you can take action to grow a thin credit file.
05/11/2022
Debt consolidation plan

Debt Consolidation vs. Credit Card Refinancing: Which Is Right for You?

When you have high-interest credit card debt holding you back, it can be a drain on your personal finances. The good news is that debt consolidation or credit card refinancing may offer a path to freedom from your credit card debt.
05/06/2022
Credit repair contract

Insider’s Guide to Buying Credit Repair

Most ratings and buyers' guides of credit repair companies are nothing more than paid advertisements—but not here! This is the insider's guide to the good, the bad, and the ugly credit repair companies. Our guide is dedicated to helping you find the best credit repair company for your situation.
04/28/2022
Why Having a Good Credit Score Matters

6 Reasons Why Having a Good Credit Score Matters

Your credit score can impact your finances in many ways. Let’s explore the reasons why having a good credit score is so essential.
04/20/2022
How to Get a High-limit Credit Card With Poor Credit

How to Get a High-limit Credit Card With Poor Credit

Lenders are less willing to provide spending power to borrowers who have yet to prove their creditworthiness. But even if you have bad credit, you may still be able to give your credit limit a boost.
04/17/2022
Why credit score is not improving

Why Isn’t My Credit Score Improving? Here’s What to Do

If you’ve been working to increase your credit score and haven’t seen results, you're probably wondering, "why isn’t my credit score increasing?" Find out why your score isn’t improving and how to address it.
04/09/2022
Buy Now, Pay Later

What Is Buy Now Pay Later and How Does It Affect Your Credit?

"Buy now, pay later" services can be convenient for those on a tight budget. But how do these BNPL services affect your credit? Let’s take a look at how this popular payment option could impact your credit scores.
03/30/2022
How Business Credit Impacts Business Funding

How Business Credit Impacts Business Funding

If you are running a company, it is possible that your business will need to lean on credit one day. Whether you want to open a business credit card or take out business financing, a business credit score is a vital piece of the puzzle. In this article, learn about business credit and how it can impact your funding needs.
03/25/2022
What Is a Credit-Builder Loan and How Does It Work?

What Is a Credit-Builder Loan and How Does It Work?

A credit-builder loan can help you improve your credit, but it is critical that you understand exactly what it is and how this type of loan could impact your credit. Let’s explore credit-builder loans so you can decide if this tool is right for you.
03/22/2022
Get Ahead With Your Tax Refund

How to Break Free From Debt and Get Ahead With Your Tax Refund

It’s a good idea to use your tax refund to get ahead financially. But where should you allocate these funds? Let’s take a closer look at how you can use your tax refund to move toward your financial goals.
03/01/2022
Bad Credit Car Loans—What To Do & Why

Bad Credit Car Loans—What to Do & Why

If you are shopping for a car loan with bad credit, you have a challenge ahead of you. We’ll take a close look at the ins and outs of getting a car loan with bad credit and show you what you can do to improve your approval odds.
01/31/2022
Credit Card Credit-Building—2022 Best Cards for Credit-Building

Credit Card Credit-Building—2022 Best Cards for Credit-Building

If you need help building your credit, the right credit card can make all the difference. Here is a list of the best credit-building credit cards of 2022 to get you started.
01/03/2022
Understand Credit-Building in Minutes

Master Credit-Building in Less Than 7 Minutes

A credit score is a three-digit number that reflects your creditworthiness, which can greatly impact your life. In this article, learn the best strategies to build up your credit score.
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