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Knowledge Center

05/20/2024

How to Use a Windfall to Improve Your Finances

Whether you got a bonus at work or won the lottery, a financial windfall is always welcome. After all, who doesn’t love when extra funds hit their bank account? What you do with those funds can have a big impact on your financial situation.
05/10/2024
Coffee money myth debunked

Money Myths Debunked

On the surface, money myths might seem relatively harmless. However, money myths can cause significant financial damage if you follow through on the ideas. As you […]
05/03/2024
Limiting money beliefs

Start Making Good Money Moves by Destroying Limiting Beliefs

Limiting beliefs are beliefs that keep you from doing something. Some limiting beliefs are helpful because they keep you safe (e.g. you believe you can’t fly, […]
04/22/2024
Increasing credit card debt

How to Avoid a Growing Credit Card Balance

Credit card debt is common. Many households are facing a growing credit card balance. But this type of debt, with notoriously high interest rates, is one of the hardest to climb out of. Once you slide into credit card debt, it can be difficult to pull yourself back out.
04/08/2024
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.
04/07/2024
VantageScore vs. FICO Scores: What's the Difference?

VantageScore vs. FICO Score: What’s the Difference?

If you monitor your credit using a free website, chances are, you’ve seen your VantageScore. However, you may not have realized that this credit score is not the same as your FICO score.
04/01/2024
Personal budget planning

How to Be Your Own Best Budget Planner

Have you ever thought that budgeting just isn't for you? If so, you're not alone. Many feel that budgets are too restrictive or find budget planning to be a chore—but it doesn't have to be.
03/24/2024
What Does It Mean to Be Credit Invisible?

What Does It Mean to Be Credit Invisible?

Nearly one in five American adults do not have a credit score. Find out what it means to be "credit invisible" and how consumers can become credit visible.
03/19/2024
Snowball vs. Avalanche: What Is the Best Way to Pay Off Debt?

Snowball vs. Avalanche: What Is the Best Way to Pay Off Debt?

The debt snowball and the debt avalanche are the two most popular methods for paying off debt. We explain how they work, the pros and cons of each approach, and how to decide which debt payoff strategy is right for you.
03/15/2024
Homeless Prevention Finance Guide

Homeless Prevention Financial Guide: The Money Guide to Preventing Homelessness

One of the most distressing problems in America today is people living without roofs over their heads. However, knowing the factors that lead to homelessness can help you avoid becoming homeless.
03/11/2024
Things Everyone Should Know About Credit Cards

Things Everyone Should Know About Credit Cards

Credit cards are not only a useful payment method for making purchases but also an essential component of a solid credit-building strategy. When you have the knowledge to use credit cards to your advantage rather than to your detriment, they can be an extremely powerful financial tool to have in your arsenal.
03/04/2024
Want to See Your FICO Score for Free? Here’s How to Do It

Want to See Your FICO Score for Free? Here’s How to Do It

The vast majority of lenders use your FICO credit score to evaluate your credit risk as a consumer when they are deciding whether or not to extend credit to you. And yet, historically, it has been costly for consumers to access their own FICO scores.
03/04/2024
Unsecured credit card

Complete Guide to Opening an Unsecured Credit Card

When you think of credit cards, unsecured credit cards likely come to mind first. While some financial gurus preach about the dangers of opening an unsecured credit card, the reality is that an unsecured credit card can be a useful financial tool.
02/25/2024
Get Ahead With Your Tax Refund

How to Break Free From Debt and Get Ahead With Your Tax Refund: Pay Bills, Settle Debt, & Grow Savings

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.
02/23/2024
Student loans

How to Prepare Your Finances for Student Loan Payments

Back in 2020, the federal government gave student loan borrowers a payment reprieve. The temporary measure was designed to help borrowers with federal student loans get through the financial uncertainty caused by the pandemic. But the federal student loan payment pause came to an end in fall 2023.
02/09/2024
Financing a used car

What to Do if You Can’t Afford Your Car Payment

When you need a vehicle to get around, you might feel pressure to spring for more than you can truly afford. Whether your financial situation has changed or you felt pressure to overspend at the dealership, being stuck with a car payment that you cannot afford is an uncomfortable situation.
02/04/2024
Will These Strategies Help You Get More Credit Score Points?

Will These Strategies Help You Get More Credit Score Points?

Everyone wants to get a higher credit score, but not all of the “hacks” or tips being promoted actually help you get more credit score points. Credit expert John Ulzheimer answers some common questions about ways to get more credit score points.
01/21/2024
When Being an Authorized User Doesn't Help

When You Should NOT Be an Authorized User

Being an authorized user on someone else’s credit card can often be a valuable strategy for consumers who are looking to build credit. However, it is not true that everyone will benefit from authorized user accounts in every situation.
01/18/2024
Secured credit cards

Complete Guide to Opening a Secured Credit Card

A secured credit card gives cardholders an opportunity to build credit. While you’ll have to make a security deposit to serve as collateral, this can serve as your entry point into building credit.
01/15/2024
Credit Sweep Fraud

Are Credit Sweeps Legal or Will They Get You in Trouble?

Credit sweeps are a heavily advertised and promoted service among credit repair companies. John Ulzheimer explains why you need to watch out for credit sweep scams in an episode of Credit Countdown.
01/10/2024
Best Credit Cards for Bad Credit

Best Rated Credit Cards for Bad Credit in 2024

These credit cards allow you to apply despite having a low credit score. Read this guide to learn about the best-rated credit cards for bad credit in 2024!
01/05/2024
Giving up small purchases

Financial Myths to Ignore

You can find financial advice almost everywhere you turn. Whether you are hearing advice from TikTok stars or friends and family, you’ve likely heard more than a few financial myths thrown into the mix.
12/30/2023

Buying Tradelines: How to Choose the Best Tradeline Company

Buying tradelines can be a difficult decision. Here are some tips on what to look for and what to watch out for when choosing a tradeline company.
12/30/2023
Credit Card Credit-Building—2022 Best Cards for Credit-Building

Credit Card Credit Building—2024 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 2024 to get you started.
12/28/2023
Budgeting for savings goals

How to Improve Your Finances in 2024

Making smart money choices can propel you toward the future you desire. Luckily, it’s easy to take action to improve your financial situation this year.
12/26/2023
How to Improve Your Credit Score

How to Improve Your Credit Score in 2024

While your credit score is just a three-digit number, it can have a big impact on your life. When building your life in the midst of economic uncertainty, a good credit score is an even more important asset.
12/22/2023
AI financial advice

Should You Trust AI Financial Advice?

Artificial intelligence (AI) has been making headlines in recent months. As AI develops into a more sophisticated tool, it’s natural to wonder how this technology might impact financial advice. If AI can answer other questions, can it be trusted to provide worthwhile financial advice?
12/15/2023
Credit card revolving credit accounts

Building Credit With Revolving & Open Credit Accounts

If you want to build your credit score, responsibly managing revolving and open credit accounts can help. Let’s explore what these accounts are and how you can leverage these types of accounts into a better credit score.
12/07/2023
Credit hacks that work

Easy Credit Hacks That Will Actually Get You Results

Credit repair can take months to see results, but we have effective credit hacks that you can use to get a better credit score fast. Check out our list of the best credit hacks that will help you improve your credit.
12/06/2023
Do Tradelines Still Work in 2024?

Do Tradelines Still Work in 2024?

Do tradelines still work in 2024? Find out if tradelines still work and if they will continue to be effective for years to come.
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