Can Missing a Rent Payment Impact Your Credit Scores?

On July 31, landlords are again able to legally evict tenants for failure to pay rent if there's no new stimulus bill or executive action to renew the temporary protections put in place last year. This means millions of Americans may be at risk of missing rent...

6 Ways to Best Use Your IRS Child Tax Credit Payments

Here are 6 tips for the best way to use your IRS child tax credit payments, which start this month.

America’s Credit Is on the Rise: Here Are 3 Steps to Keep It That Way

The number of Americans with bad credit dropped during the COVID-19 pandemic. What’s behind this drop? Americans spent more time paying off debt than racking it up. Overall, subprime consumers were also able to reduce their total average debt, shrinking their...

New Credit Card Program to Let Applicants with No Credit Qualify Using Their Bank Account

The biggest banks in the United States are launching a pilot program this year that allows applicants with no credit history to qualify for credit cards using information about their bank accounts.

What Happens When You Add an Authorized User to Your Credit Card?

Adding an authorized user can enable them to make purchases and even build a credit history, but you need to know there are some risks.

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...

Recent Articles

Can Missing a Rent Payment Impact Your Credit Scores?

Can Missing a Rent Payment Impact Your Credit Scores?

On July 31, landlords are again able to legally evict tenants for failure to pay rent if there's no new stimulus bill or executive action to renew the temporary protections put in place last year. This means millions of Americans may be at risk of missing rent payments or under the threat of eviction. While missing a rent payment or an eviction won't end up on your credit report, not paying your rent can still indirectly have a negative impact...

read more
America’s Credit Is on the Rise: Here Are 3 Steps to Keep It That Way

America’s Credit Is on the Rise: Here Are 3 Steps to Keep It That Way

The number of Americans with bad credit dropped during the COVID-19 pandemic. What’s behind this drop? Americans spent more time paying off debt than racking it up. Overall, subprime consumers were also able to reduce their total average debt, shrinking their outstanding balance across all accounts from an average of $55,135 to $52,628 – a reduction of 5% between Q1 2020 and Q1 2021, according to market reports. Subprime is a term used by...

read more
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...

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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

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.

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