Knowledge Center

12/06/2022
What Happens to Your Credit When You Get Married or Divorced?

What Happens to Your Credit When You Get Married or Divorced?

Many people are uncertain about what may happen to their credit when they get married and what can happen to their credit if they get divorced. For example, it is commonly believed that your credit report merges with your spouse’s credit report when you get married. Is that really true? And what happens to your credit when you get divorced?
12/02/2022
How to Leverage a Side Hustle Into a Better Credit Score

How to Leverage a Side Hustle Into a Better Credit Score

Regardless of your financial goals, an extra income stream can always come in handy. If you are trying to build better credit, the funds you bring in from a side hustle could help you transform your credit score situation.
11/17/2022
Holiday savings account

How to Protect Your Credit Score During the Holidays

As the cooler weather sets in, the holiday season is starting to appear on the horizon. Although the festive season is filled with lots of fun, […]
11/16/2022
How to Get Through the Holidays With Your Credit Intact

How to Get Through the Holidays With Your Credit Intact

With so many Americans unemployed and struggling financially, it’s more important than ever to go into the holiday season with a smart strategy to keep your finances intact. Here are some tips on how to make it through the holiday season without going overboard on spending, hurting your credit, and derailing your financial goals.
11/10/2022
Emergency savings

Can Frugality Help Your Credit Score?

Depending on your situation, a frugal outlook could translate into a useful tool for building credit. Let’s explore how you can potentially increase your credit score with an assist from your frugal tendencies.
11/03/2022
Authorized User on Credit Card

Insider’s Guide to Authorized User on Credit Cards

Building credit can be a challenge, particularly for those who have never had credit before. Fortunately, becoming an authorized user on a credit card can provide a pathway to credit-building for many consumers.
10/28/2022
Is a Balance Transfer Worth It? How to Know if It’s Right for You

Is a Balance Transfer Worth It? How to Know if It’s Right for You

Balance transfers can be a valuable tool for helping consumers get out of credit card debt without being crushed by interest charges. On the other hand, if you’re not careful, they can leave you worse off than you were before. Read this article to find out everything you need to know about balance transfers and how to decide if a balance transfer is right for you.
10/24/2022
Earning credit card rewards

How to Protect Your Credit Score While Pursuing Credit Card Rewards

The allure of credit card rewards could prove too dangerous for some. But it’s possible to maintain a great credit score while taking advantage of the rewards opportunities on the table.
10/20/2022
What Is a Credit Freeze on My Credit Report?

What Is a Credit Freeze on Your Credit Report?

A credit freeze can be a valuable tool for those who may be concerned about identity theft. However, many people are unaware of how credit freezes work and how to use them.
10/16/2022
Building credit in the United States

How to Build Credit After Moving to the United States

Relocating to a new country is an exciting time as the start of a new chapter. One major challenge for those relocating to the United States is the necessity of building a credit score from scratch. Let’s explore how you can build credit after moving to the United States.
10/12/2022

What Are Credit Scores?

Credit scores impact our lives in more ways than you might think, yet, unfortunately, they are complex and can be difficult to understand. In this article, we’ll clear up what credit scores are, why they matter, how to build credit, and how to improve your credit score.
10/06/2022
No debt

Does Having No Debt Hurt Your Credit Score?

Those able to skirt around the financial pitfalls of debt may wonder how this financial success will impact your credit score. Let’s explore whether or not avoiding debt will hurt your credit score, plus strategies you can implement to build credit while avoiding debt.
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.
09/18/2022
Poor credit score

DIY Credit Repair Basics

Credit, as related to personal finance, refers to someone's ability to pay lenders back. Many years ago, bankers and individual lenders were forced to gauge a prospective borrower's credit subjectively—they had no metrics or statistics to turn to in making such judgments.
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.
09/09/2022
7 Financial Topics to Master

7 Financial Topics to Master—Or Be Manipulated By

Money is the most influential element that we run into in our daily lives. It either empowers us or hinders us, depending on how much control we have over the money in our lives.
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.
08/25/2022
609 dispute letter credit repair

What’s a 609 Dispute Letter in Credit Repair & Does It Work?

If you’ve ever looked into repairing your credit, you may have seen credit repair businesses advertising “609 dispute letters” as a way to remove negative information on your credit report. What is the idea behind this strategy, and do 609 dispute letters work?
08/19/2022
Establish credit tradelines

How to Establish Tradelines—Insider’s Guide

Establishing tradelines is an essential part of credit. Because credit is a necessary part of modern life for most people, you need to know why tradelines matter, the best ways to establish tradelines, tradeline factors to consider, and how to tell which tradelines to avoid and which are a good fit for you.
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.
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