Recent Articles
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...
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...
Here’s What You Need to Know About Personal Debt ‘Parking’
Personal debt parking. Read on to learn how bad debt parking can be on your financial health and how to avoid it.
How a Good Credit Mix Can Positively Impact Your Credit Score
Your credit mix is essential to you and your FICO® Score. Find out how a good credit mix can impact your credit score and much more.
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...
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....
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.
What Are the Three Major Credit Bureaus?
A credit bureau is an agency that gathers data about your finances, business, income, banking status, debts, etc., to find out your financial credibility. A credit bureau may collect this data from the taxes you pay, the property you purchase the bank whose services you use, and so on. Credit bureaus have quite a few roles to play in the finances and investments sector. A credit bureau calculates your creditworthiness and builds your credit...
What Are the Best Ways to Use Your Stimulus Money?
Government stimulus checks can feel like anything from some fun money to a way to put food on the table. If you’re somewhere in between, you might be wondering how to best use those dollars. Here are some ways you can make the most of your stimulus check.
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