Knowledge Center
06/25/2023
Collections can damage your credit score for a long time, so it's important to understand them. This helpful guide explains what collections are, how they affect your credit, how collection agencies try to re-age debt, how to get collections removed from your credit report, and more.
06/22/2023
What is the difference between your overall credit utilization ratio and individual credit utilization ratios and why does it matter to your credit?
06/21/2023
It’s not uncommon to switch jobs, especially in the wake of the “Great Resignation.” For many, a lengthy job search can yield a worthwhile job opportunity. But finding a new job is just the beginning.
06/16/2023
26 million consumers in America have no credit record whatsoever. On top of that, there are an additional 19 million consumers who do have credit files, but they do not contain sufficient credit information to be scored by a widely available credit scoring model.
06/14/2023
How many times have you read a blog or heard some financial “guru” opining as to the mystical “right” number of credit cards to have in your wallet? Is the right number one, or two, or three? And what are the criteria for considering what is the right number versus the wrong number?
06/07/2023
Most of the time when I’m asked about credit scores the line of questioning is commonly about how to improve scores. It’s equally often, and equally enjoyable, when I receive questions from people about how many points certain things from your credit reports are worth to their credit scores.
05/31/2023
People who are serious about improving their credit often wonder what it takes to get the highest possible credit score. For the FICO 8 credit scoring model, the perfect credit score is 850.
05/25/2023
Emotional spending is one personal finance issue that many struggle with. According to a NerdWallet survey, 49% of Americans said emotions have caused them to spend more than they can reasonably afford. With almost half of Americans struggling with emotional overspending, you aren’t alone if you are facing this issue.
05/12/2023
If you are unlucky enough to experience credit card fraud, following some best practices can help you get the situation under control as soon as possible. Let’s explore what you should do if you experience credit card fraud.
05/12/2023
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.
05/04/2023
If you have credit cards with low limits, you may want to increase your credit limit. In this article, we cover everything you need to know about how to get a higher credit limit.
04/25/2023
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?
04/12/2023
There’s never a bad time to start building good credit, but there is definitely a good time to start: as early as possible. So when can you start building credit?
04/05/2023
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.
03/27/2023
The tradeline industry is full of rumors, myths, and inaccuracies. Since we aim to educate consumers on how tradelines work, we want to dispel these common myths about tradelines.
03/24/2023
Thousands of workers were laid off by their employers in 2022. As the trend of layoffs trickles through the economy, it’s important to take steps to safeguard your finances against a potential layoff.
03/15/2023
How important are closed accounts when it comes to your credit score? Perhaps more than you think. Let’s shed some light on the question of how closed accounts can affect your credit.
03/10/2023
Like having the right credit score, choosing the appropriate insurance policies has a big impact on your financial health. Without the right insurance policies, it is easy to get caught in a financial pinch.
03/03/2023
We all know that saving money is important. But stashing those savings into an emergency fund can be a game changer for your financial future.
03/01/2023
Buying tradelines doesn’t have to be complicated. Just follow these five steps to make buying tradelines easy!
02/27/2023
Business credit is similar to personal credit, but it uses a different reporting system. If you are interested in building business credit, our article breaks down business credit vs. personal credit, what business tradelines are, and how to build business credit.
02/20/2023
Building credit using traditional methods can take years. In this article and infographic, we’re talking about the fastest ways to build credit.
02/16/2023
Go behind the scenes of the dispute process used in credit repair and learn the importance of the Metro 2 and e-OSCAR systems in credit disputes.
02/03/2023
With the right financial habits, you can transform your financial future. But with the wrong financial skills, you might be digging yourself into a deeper hole. If you aren’t sure where to start building financial skills, you are in the right place.
01/28/2023
Building more protection for your credit score is just one of many ways that a savings challenge can improve your finances. We’ll take a closer look at the top savings challenges.
01/26/2023
Credit myths are extremely common. Unfortunately, many people believe these myths, and their credit suffers as a result of taking incorrect actions. Let’s get to the bottom of these credit myths so you can start improving your credit the right way.
01/20/2023
As the new year rolls around, it’s a great time to set yourself up for financial success. With the right financial moves, you can create smoother sailing in the year ahead.
01/12/2023
For some lucky workers, this time of year comes with a holiday bonus. Whether you’ve received a bonus that you’ve been expecting or were pleasantly surprised by a generous bonus, you likely want to put these funds to good use.
01/06/2023
For shoppers that regularly spend at Best Buy, taking advantage of the Best Buy credit card might be the right move for your wallet. Let’s explore what you need to know about the available Best Buy credit cards.
12/31/2022
Your credit scores are one of the many things that you need to stay on top of during a move. The good news is that it’s absolutely possible to protect your credit scores during a move. But it will take a little bit of planning to make sure that credit score-damaging issues don't slip through the cracks.
