Knowledge Center

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.
08/09/2022
CPN number

What Is a CPN?

A CPN might sound like a good solution if you have had trouble with your credit and want to “start fresh.” However, CPNs are not what they are marketed to be. Learn the truth about CPNs and why you should avoid them.
08/07/2022
The Cost of Being Queer

The Cost of Being Queer

A look at how the LGBTQ community has been treated historically shows why we need policies to tackle discrimination and help this marginalized community build wealth.
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.
07/20/2022
Racial wealth inequality

Understanding the Racial Wealth Gap in America

Understanding the racial wealth gap in America is crucial to taking steps to make a more equitable economy. Now is a great time to be addressing systemic problems like racial and economic inequality.
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.
07/13/2022
Risky credit score scams

Should You Fix or Ditch Your Credit Score?

Credit scores are essential to American life. While there are many promises to get you a better credit score quickly, some are scams you should avoid. Instead, follow our tips to legitimately raise your credit score.
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
Financial empowerment

Use Empowerment Exercises to Level Up Your Finances

Leveling up your finances can be daunting, especially if you’ve made decisions in the past that have negatively affected your ability to pay bills and save money. But that doesn’t mean making positive financial change is impossible.
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.
06/17/2022
Principles of Power in Personal Finance

Principles of Power in Personal Finance

Everyone has a money story. Something they tell themselves to feel okay with their money situation. But are these narratives helpful? Sometimes they are. But only if they’re empowering.
06/15/2022
Why Did My Credit Score Go Down?

Why Did My Credit Score Go Down?

If your credit score has gone down, it's important to understand why so you can address the problem. Let's discuss some possible credit issues that could cause a decrease in your credit score.
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.
06/09/2022
Personal Finance Principles of Continuous Development

Personal Finance Principles of Continuous Development

In the business world, “principles of continuous development” guide the top professionals and companies to success. We’ll show you how the mindset of continuous development and the principles of lean business can be applied to your personal finances to create your optimal financial life.
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.
05/31/2022
Money management habits

8 Master Money Habits for Wealth: Essential Money Cognitive Capacities

Even if you feel you are at a total loss for any positive money habits, you can still gain new habits to transform your wealth. in this article, we’re going to cover four advanced skills to help you bring your money skills to the next level.
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.
05/13/2022
Buying a new car

2022 Car Shopping Secrets Unlocked

Are you thinking of driving a new car? If so, you're in luck. Here are some of the best tips and tricks for shopping for a car in 2022.
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.
05/09/2022
Credit Mix: Do You Need to Care About Types of Credit?

Credit Mix: Do You Need to Care About Types of Credit? [Infographic]

While credit mix only makes up 10% of your FICO score, it’s still important to consider when building credit. Check out our infographic about mix of credit and types of credit.
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.
05/03/2022
Best Money Habits to Master

Four Best First Money Habits to Master

If you can’t seem to keep hold of your money, we recommend you look at these four essential money cognitive capacities and see where you can improve. We'll help you reframe the narratives you have around money and help hone in on a better approach to your finances.
05/02/2022
Are Revolving Accounts More Powerful Than Installment Accounts?

Are Revolving Accounts More Powerful Than Installment Accounts?

Revolving accounts and installment accounts are both important for building credit, but they do not have an equal influence on your credit score. Which type of account is more powerful for your score?
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.
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