Knowledge Center
09/30/2024
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.
09/27/2024
A line of credit is a flexible funding solution that allows you to tap into funds on an as-needed basis. Depending on your situation, a line of credit can offer much-needed access to cash.
09/08/2024
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.
09/06/2024
If you are renting a place to call home, your use of the property is protected through renters’ rights (also known as tenants’ rights). Whether you are living in a rental or renting out a property to a tenant, understanding the ins and outs of renters’ rights can make your life easier.
08/23/2024
It’s no secret that college is expensive, and the costs seem to continue rising without an end in sight. The increasing cost of college has far outpaced inflation.
08/07/2024
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.
08/05/2024
What if you connected to your emotions surrounding money and that helped you actually master your finances? This guide will help you feel confident in tackling your money from a new perspective and build your wealth so that you can live a fuller, happier life.
07/28/2024
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.
07/26/2024
I’m going to let you in on a secret. Most people aren’t bad at handling their money. Most people are bad at handling their emotions about money. When you can hone in on your emotions, your finances fall into line.
07/17/2024
Could inquiry "bumpage" and "choppage" improve your credit? Find out from an expert who has spent three decades in the industry, John Ulzheimer.
07/11/2024
Identity theft is no laughing matter. When your identity is stolen, it can affect your entire financial life, from your credit to your ability to apply for loans. You want to make sure that you’re protected from identity theft.
07/11/2024
It’s no secret that keeping a roof over your head can get expensive quickly. On average, households spend over a quarter of their household income on housing costs each year, and housing costs are on the rise.
06/27/2024
The “date of last activity,” also known as the DLA, is often discussed within the field of credit repair in a way that is inaccurate or misleading. Because of this, many consumers do not understand the DLA as it relates to their credit reports and credit scores.
06/21/2024
Personal loans have grown in popularity over the years. As more Americans take out personal loans, many households are adding another monthly payment to their budgets.
06/06/2024
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.
05/30/2024
Derogatory items can stay on your credit report and damage your credit scores for years. We’ll help you understand minor and major derogatories, how derogatory items affect your credit score, and what you can do about them.
05/20/2024
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
money myths can cause significant financial damage if you follow through on the ideas. As you navigate your own financial situation, it’s helpful to understand which often-repeated money ideas are actually just myths.
05/03/2024
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
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
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
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
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
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
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
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
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
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
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
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.
