No Credit or Bad Credit – What’s the Difference?

Having no credit and bad credit often get grouped together, but the two situations aren’t the same. And understanding the difference between the two is a key step toward reaching your financial goals. Knowing the right way to positively impact your credit often...

Student Credit Cards Can Help Students Establish Credit

As college students spend the summer working or taking summer courses, now is the time to work on establishing financial independence before they graduate. Having a strong credit history can help students apply for loans or credit, get an apartment or even land a job....

3 Pitfalls to Avoid with the ‘Buy-Now-Pay-Later’ Trend

The “buy-now-pay-later” trend (BNPL) is rapidly becoming a preferred method of payment, but consumers should understand how these plans work to avoid some related pitfalls, such as negatively impacting their credit. BNPL is marketed as an alternative to credit cards...

How Often Is New Information Submitted to Your Credit Report?

The information in your credit report is constantly subject to change as new information is added and old or inaccurate information is removed. But it can be difficult to predict when your credit report receives updates, as there is no universal standard for when...

Here’s What You Need to Know About Personal Debt ‘Parking’

Have you applied for a loan only to learn that your credit report is marred by a delinquent debt — one that you have already paid or maybe don’t recognize? You may be a victim of debt parking.In case you didn’t know, debt parking is when a collection agency secretly...

How a Good Credit Mix Can Positively Impact Your Credit Score

Your credit mix is important to you and your FICO® Score because it is one of the factors creditors assess when evaluating the risks of lending you money. When it comes to working on the credit mix, we recommend letting your credit diversify organically over time as necessary.

When Being Sick Negatively Impacts Your Credit

Many millennials are finding themselves coping with chronic health conditions — more so than previous generations. About 44% of older millennials born between 1981 and 1988 report having been diagnosed with at least one chronic health condition, according to a recent...

How a Credit Score Simulator Can Help You Make Financial Decisions

Your credit score can affect many financial decisions you make in your life, which is why it’s a good idea to keep it in a desirable range. Our credit scores reflect our financial standing and can typically change after we make a significant financial move such as...

What Should You Do When a Debt Collector Calls?

Debt collectors may act aggressively on the phone to get you to pay them ASAP, so it’s important to remember that you have rights that give you certain protections, including time to figure out the debt.

Consumer Debt Surges Post-COVID-19 Lockdown, Here’s How to Stay in Check

More Americans are turning to credit as they deal with the prolonged economic uncertainty created by the coronavirus pandemic. In this article we discuss some steps you can take to lower your debt burden.

Recent Articles

No Credit or Bad Credit – What’s the Difference?

No Credit or Bad Credit – What’s the Difference?

Having no credit and bad credit often get grouped together, but the two situations aren’t the same. And understanding the difference between the two is a key step toward reaching your financial goals. Knowing the right way to positively impact your credit often depends on whether you have no credit history or bad credit. Having no credit means that there's simply not enough information on your credit file to calculate an accurate credit score...

read more
Student Credit Cards Can Help Students Establish Credit

Student Credit Cards Can Help Students Establish Credit

As college students spend the summer working or taking summer courses, now is the time to work on establishing financial independence before they graduate. Having a strong credit history can help students apply for loans or credit, get an apartment or even land a job. Students who start now can establish strong credit for long-term benefits. Student credit cards can be a powerful tool in the college student’s credit arsenal. Here’s how student...

read more
3 Pitfalls to Avoid with the ‘Buy-Now-Pay-Later’ Trend

3 Pitfalls to Avoid with the ‘Buy-Now-Pay-Later’ Trend

The “buy-now-pay-later” trend (BNPL) is rapidly becoming a preferred method of payment, but consumers should understand how these plans work to avoid some related pitfalls, such as negatively impacting their credit. BNPL is marketed as an alternative to credit cards because they allow consumers to spread out purchase financing, but with no fees or interest charges. During the pandemic, with consumers conserving cash and seeking alternative...

read more
How Often Is New Information Submitted to Your Credit Report?

How Often Is New Information Submitted to Your Credit Report?

The information in your credit report is constantly subject to change as new information is added and old or inaccurate information is removed. But it can be difficult to predict when your credit report receives updates, as there is no universal standard for when third parties submit information about you to the credit bureaus. When Creditors and Businesses Submit New Information About Your Accounts Creditors have different payment cycles and...

read more
Here’s What You Need to Know About Personal Debt ‘Parking’

Here’s What You Need to Know About Personal Debt ‘Parking’

Have you applied for a loan only to learn that your credit report is marred by a delinquent debt — one that you have already paid or maybe don’t recognize? You may be a victim of debt parking.In case you didn’t know, debt parking is when a collection agency secretly places an account on your credit report, hoping you're pressured to pay because of a pending application. This tactic, known as "debt parking," violates debt collection and credit...

read more
When Being Sick Negatively Impacts Your Credit

When Being Sick Negatively Impacts Your Credit

Many millennials are finding themselves coping with chronic health conditions — more so than previous generations. About 44% of older millennials born between 1981 and 1988 report having been diagnosed with at least one chronic health condition, according to a recent survey conducted by The Harris Poll on behalf of CNBC Make It. Health conditions can take a toll, both financially and emotionally. The seemingly relentless and compounding medical...

read more
How a Credit Score Simulator Can Help You Make Financial Decisions

How a Credit Score Simulator Can Help You Make Financial Decisions

Your credit score can affect many financial decisions you make in your life, which is why it’s a good idea to keep it in a desirable range. Our credit scores reflect our financial standing and can typically change after we make a significant financial move such as making a big purchase. So, often we don’t realize that a decision we’re making now can cause our score to plummet. Luckily, you can make smart decisions with a credit score simulator....

read more

Premier Credit Monitoring.

Receive premier credit monitoring and identity theft insurance for you and your family with our MAX plan.**

*Source: Fair Isaac Corporation.

**$1 Million ID Theft Coverage – provides up to $1 million in coverage for: funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses, and up to $1,500 per week (five weeks maximum) for wages lost while resolving a stolen identity event. Underwritten by AIG.

$25K ID Theft Coverage – provides up to $25,000 in coverage for: funds stolen by unauthorized electronic funds transfer from an account in your name, coverage for elderly and child care, legal fees, miscellaneous expenses, and up to $500 per week (five weeks maximum) for wages lost while resolving a stolen identity event. Family members means up to 3 of the enrollee’s children under the age of twenty-four (24) who permanently live in the same residence as the enrollee at the time of the stolen identity event. Underwritten by AIG.

FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

Copyright © 2021 IDIQ® provider of MyScoreIQ® services | All Rights Reserved