Do You Have to Pay a Loan Application Fee? 

When you’re preparing to submit a loan application, the lender may inform you they charge a loan application fee. These fees reduce out-of-pocket processing costs for the lender and make their borrower transactions more profitable. Loan application fees are common for...

What is a Tradeline on Your Credit Report?

A tradeline is simply a term used to describe a credit account found on a credit report. Tradelines are always visible on the credit report in the form of loans, credit cards and mortgages. They are used for generating credit scores. Here is more information about...

How Do I Make Sure My Medical Bills Are Accurate?

According to Consumer Financial Protection Bureau, millions of Americans struggle to afford their medical debt with $88 billion in outstanding medical bills currently in collections in the United States. Many unpaid medical bills can land on credit reports, which can...

How To Check Credit Scores Without A Social Security Number?

A Social Security number (SSN) is a term used for a nine-digit number assigned by the U.S government to its legal residents. Your SSN is mainly used to monitor employment and earning rates for Social Security benefits. However, both citizens and non-citizens also use...

Why Are There Multiple Names on My Credit Report?

You might be surprised to see multiple names listed when you get your credit report. You probably don’t need to worry. In fact, there are often multiple names listed on a credit report. So why is this the case? There are several reasons why someone might have multiple...

Does Applying for a Debit Card Affect Your Credit Score?

When it comes to your credit scores, it’s essential to pay attention to what can impact them. Depending on your credit, you can get better rates on loans, mortgages and credit cards. But does applying for a debit card negatively impact your credit? Here’s everything...

Can Working Remote Help My Credit?

Remote work isn’t a brand-new concept, but it became commonplace during the COVID-19 pandemic. As a result, many employers have continued to embrace it, allowing their employees to work remotely full-time or part-time, even as COVID restrictions have become relaxed....

Can Old Addresses Be Removed from Your Credit Report?

It makes sense for your credit report to contain old credit account information or even loans you settled years ago. But, sometimes, you might be surprised to find old or inaccurate addresses. Don’t worry – most people often find themselves in this situation. So, why...

What Credit Score is Needed for a Travel Credit Card

Among the many benefits of a good credit score is the travel credit card. After all, it helps you earn points toward vacations! So, if you feel like taking a cruise to the Bahamas this year and want to utilize your creditworthiness, here’s what you need to know about...

How Does a Divorce Affect Your Credit Score?

A broken marriage can leave your financial life in shambles, especially if you have to take care of commingled accounts and accumulated assets. Assuming that you’d split everything equally, your finances will drop by half. But, if you are in for a rocky road, then...

Recent Articles

Do You Have to Pay a Loan Application Fee? 

Do You Have to Pay a Loan Application Fee? 

When you’re preparing to submit a loan application, the lender may inform you they charge a loan application fee. These fees reduce out-of-pocket processing costs for the lender and make their borrower transactions more profitable. Loan application fees are common for mortgages loans, auto loans and personal loans. But they aren’t universal. Not all lenders charge fees, and you may even be able to negotiate them down before you submit your...

read more
What is a Tradeline on Your Credit Report?

What is a Tradeline on Your Credit Report?

A tradeline is simply a term used to describe a credit account found on a credit report. Tradelines are always visible on the credit report in the form of loans, credit cards and mortgages. They are used for generating credit scores. Here is more information about tradelines and their presence in your credit reports. What is a Tradeline on a Credit Report? A tradeline on your credit is a record of your credit activities used by the three major...

read more
How Do I Make Sure My Medical Bills Are Accurate?

How Do I Make Sure My Medical Bills Are Accurate?

According to Consumer Financial Protection Bureau, millions of Americans struggle to afford their medical debt with $88 billion in outstanding medical bills currently in collections in the United States. Many unpaid medical bills can land on credit reports, which can negatively impact credit scores. While there have been some positive updates to how medical bills get reported, many types of medical bills can still impact your credit if they go...

read more
How To Check Credit Scores Without A Social Security Number?

How To Check Credit Scores Without A Social Security Number?

A Social Security number (SSN) is a term used for a nine-digit number assigned by the U.S government to its legal residents. Your SSN is mainly used to monitor employment and earning rates for Social Security benefits. However, both citizens and non-citizens also use their SSNs to apply for bank loans and bank accounts and determine their credit scores. You can do all these with your SSN. But there is a big question: Can you check your credit...

read more
Why Are There Multiple Names on My Credit Report?

Why Are There Multiple Names on My Credit Report?

You might be surprised to see multiple names listed when you get your credit report. You probably don’t need to worry. In fact, there are often multiple names listed on a credit report. So why is this the case? There are several reasons why someone might have multiple names on their credit report. Learn more about why there are multiple names on a credit report and what to do if it's causing problems with your credit score. Previous or Maiden...

read more
Does Applying for a Debit Card Affect Your Credit Score?

Does Applying for a Debit Card Affect Your Credit Score?

When it comes to your credit scores, it’s essential to pay attention to what can impact them. Depending on your credit, you can get better rates on loans, mortgages and credit cards. But does applying for a debit card negatively impact your credit? Here’s everything you need when it comes to debit cards and your credit. Does Getting a Debit Card Impact My Credit Score? Most lenders tend to use credit scores, a three-digit number, that comes...

read more
Can Working Remote Help My Credit?

Can Working Remote Help My Credit?

Remote work isn’t a brand-new concept, but it became commonplace during the COVID-19 pandemic. As a result, many employers have continued to embrace it, allowing their employees to work remotely full-time or part-time, even as COVID restrictions have become relaxed. Remote work has changed the way millions of workers do their jobs, and it can have larger implications for work-life balance, business costs and even consumer credit scores. So,...

read more
Can Old Addresses Be Removed from Your Credit Report?

Can Old Addresses Be Removed from Your Credit Report?

It makes sense for your credit report to contain old credit account information or even loans you settled years ago. But, sometimes, you might be surprised to find old or inaccurate addresses. Don’t worry – most people often find themselves in this situation. So, why do old addresses appear on credit reports? Your creditors usually report your addresses and other credit information to credit bureaus that update your credit report. This means...

read more
What Credit Score is Needed for a Travel Credit Card

What Credit Score is Needed for a Travel Credit Card

Among the many benefits of a good credit score is the travel credit card. After all, it helps you earn points toward vacations! So, if you feel like taking a cruise to the Bahamas this year and want to utilize your creditworthiness, here’s what you need to know about a travel credit card. What is a Travel Credit Card?  A travel credit card is the mix of a regular credit card and a travel card. When you combine the perks and functions of the...

read more
How Does a Divorce Affect Your Credit Score?

How Does a Divorce Affect Your Credit Score?

A broken marriage can leave your financial life in shambles, especially if you have to take care of commingled accounts and accumulated assets. Assuming that you’d split everything equally, your finances will drop by half. But, if you are in for a rocky road, then your wealth can plummet even more. Many couples who split can lack retirement savings. Mainly if they decided to call it quits after 55, according to AARP. While divorce won’t...

read more

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