What You Need to Know About Debt-to-Income Ratio

If you’re thinking of getting a mortgage, car loan, credit card or another line of credit, you may have stumbled upon the term debt-to-income ratio, or DTI. DTI plays a significant role in determining whether you are going to be pre-approved for a loan or not. It’s an...

Do You Need to Notify Credit Bureaus About a Death?

When someone dies, their survivors or the executor of the estate often have a lot of work to do. Common tasks include reaching out to friends and family, making funeral arrangements and contacting insurance companies, banks and other financial institutions. That’s...

Is Autopay Good for Your Credit?

Autopay is a fantastic tool that automatically schedules payments repeatedly to pay your bills, such as your electricity bill, credit card, gym membership, etc. Basically, you’re authorizing the credit card issuer or lender to automatically withdraw funds from your...

Can Someone Check Your Credit Without Your Permission?

Under the Fair Credit Reporting Act (FCRA), strict guidelines dictate what parties can run a credit check on consumers and what circumstances allow them to do so. Generally, only businesses and organizations with specific, legitimate purposes may check your credit...

How To Positively Impact Your Credit as a College Student?

An excellent credit score allows you to enjoy financial opportunities, especially after graduating. For example, it can help you rent an apartment, secure a car loan, and even be approved for a mortgage. While it might seem hard to earn a good credit score while...

Does Retirement Affect My Credit Score?

Once you've cashed your last paycheck and start enjoying your retirement, you might start wondering if this new chapter will alter how your credit report turns out. Here’s the answer to that question: being retired does not directly affect your credit scores. A credit...

How Does a Repossession Impact Your Credit?

Keeping a good credit score is paramount to enjoying the most benefit you can as a consumer. However, there are a lot of different factors that can negatively impact your credit score. One of these occasions is a repossession, and often the most common tend to be auto...

Does Having Student Loans Affect My Credit Score?

Student life is tough on many people, especially those with financial challenges. If you're in the same boat, you may have signed up for student loans to get through your student life without feeling deprived of any of its perks. College students can find student...

What Credit Score Does Everyone Start With?

If you’re a young adult just entering the world of credit, the first question that might come to mind is what is my starting credit score? When you’re first applying for a credit card – or any loan – most individuals wonder what number they’re starting their credit...

Why Medical Debt May No Longer Negatively Affect Your Credit Scores

Medical debt is a burden carried by millions of Americans, weighing down their credit scores even though this debt often arises from a single incident related to a critical medical issue. And concern over the impact of this debt has only grown since the start of the...

Recent Articles

What You Need to Know About Debt-to-Income Ratio

What You Need to Know About Debt-to-Income Ratio

If you’re thinking of getting a mortgage, car loan, credit card or another line of credit, you may have stumbled upon the term debt-to-income ratio, or DTI. DTI plays a significant role in determining whether you are going to be pre-approved for a loan or not. It’s an important ratio that shows lenders how your debt stacks up against your monthly income. Here’s more information on what DTI is, how to calculate it and if it affects your credit....

read more
Do You Need to Notify Credit Bureaus About a Death?

Do You Need to Notify Credit Bureaus About a Death?

When someone dies, their survivors or the executor of the estate often have a lot of work to do. Common tasks include reaching out to friends and family, making funeral arrangements and contacting insurance companies, banks and other financial institutions. That’s just for starters. With all these other tasks, notifying the three major credit bureaus about the death might feel like a low priority. But it’s a good idea to check this off your...

read more
Is Autopay Good for Your Credit?

Is Autopay Good for Your Credit?

Autopay is a fantastic tool that automatically schedules payments repeatedly to pay your bills, such as your electricity bill, credit card, gym membership, etc. Basically, you’re authorizing the credit card issuer or lender to automatically withdraw funds from your bank account on a stipulated date. Once set, the tool deducts the minimum payment due, the amount you choose to pay, or the full statement balance. Late credit card payments can harm...

read more
Can Someone Check Your Credit Without Your Permission?

Can Someone Check Your Credit Without Your Permission?

Under the Fair Credit Reporting Act (FCRA), strict guidelines dictate what parties can run a credit check on consumers and what circumstances allow them to do so. Generally, only businesses and organizations with specific, legitimate purposes may check your credit scores. In most cases, they must get your permission, but there are a few instances where that isn’t the case. Who Can Check Your Credit? When you submit certain applications or...

read more
How To Positively Impact Your Credit as a College Student?

How To Positively Impact Your Credit as a College Student?

An excellent credit score allows you to enjoy financial opportunities, especially after graduating. For example, it can help you rent an apartment, secure a car loan, and even be approved for a mortgage. While it might seem hard to earn a good credit score while you’re a college student, it’s not impossible. Below, we’ve provided you with four tips to help you positively impact your credit while you’re still in school. Open A Student Credit...

read more
Does Retirement Affect My Credit Score?

Does Retirement Affect My Credit Score?

Once you've cashed your last paycheck and start enjoying your retirement, you might start wondering if this new chapter will alter how your credit report turns out. Here’s the answer to that question: being retired does not directly affect your credit scores. A credit report doesn't contain your age or employment status. Since your credit report doesn't explicitly label you a retiree, it won't impact your credit report. With that said, your...

read more
How Does a Repossession Impact Your Credit?

How Does a Repossession Impact Your Credit?

Keeping a good credit score is paramount to enjoying the most benefit you can as a consumer. However, there are a lot of different factors that can negatively impact your credit score. One of these occasions is a repossession, and often the most common tend to be auto repossession. If you’re looking to lease a car from the bank, you must understand auto repossession and how it can impact your credit score. What is an Auto Repossession, and How...

read more
Does Having Student Loans Affect My Credit Score?

Does Having Student Loans Affect My Credit Score?

Student life is tough on many people, especially those with financial challenges. If you're in the same boat, you may have signed up for student loans to get through your student life without feeling deprived of any of its perks. College students can find student loans quite helpful in setting their career path right by assisting them financially through their higher education. While the word “loan” may sound intimidating, being able to use...

read more
What Credit Score Does Everyone Start With?

What Credit Score Does Everyone Start With?

If you’re a young adult just entering the world of credit, the first question that might come to mind is what is my starting credit score? When you’re first applying for a credit card – or any loan – most individuals wonder what number they’re starting their credit score journey from. If you’re in the same situation, we have a short guide below that details everything you need to know about your starting credit score. What Is Your Starting...

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Why Medical Debt May No Longer Negatively Affect Your Credit Scores

Why Medical Debt May No Longer Negatively Affect Your Credit Scores

Medical debt is a burden carried by millions of Americans, weighing down their credit scores even though this debt often arises from a single incident related to a critical medical issue. And concern over the impact of this debt has only grown since the start of the pandemic. But now, the three major credit reporting agencies are taking a collective step to stop medical debt from marring a person’s credit, announcing in March that they would no...

read more

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