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...

How Can I Help My Credit Score to Buy a House?

If you’re thinking about buying a home, getting your finances in shape ahead of your house hunt is important to save you a good deal of money when it comes to your mortgage interest rate. And the first thing on your agenda to assess should be your credit scores. You...

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...

Recent Articles

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...

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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...

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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...

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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...

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Does Refinancing Your Car Look Bad on Your Credit?

Does Refinancing Your Car Look Bad on Your Credit?

Refinancing your car could help lower your monthly car payment, but does it negatively affect your credit? Credit scores are important as they significantly impact your financial dealings. If you want to refinance your car but are unsure of its effects on your credit line, then here’s what you need to know. How to Refinance Your Car Loan? Refinancing your car loan means taking a new loan to pay off whatever is left over from the previous loan...

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Can I Get a Business Loan with a Bad Credit Score?

Can I Get a Business Loan with a Bad Credit Score?

You need money for your business, but you’re concerned that your poor credit score can impact your ability to secure approval for a business loan. It’s possible to get a business loan with a bad credit score, but the process might be complicated. Due to your low credit score, banks might turn you away. Or, if you are approved, you might have to pay a higher interest rate than someone with good credit. Here’s what you need to know about getting...

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What Does the Credit Utilization Ratio Mean?

What Does the Credit Utilization Ratio Mean?

You may have heard the term “credit utilization ratio” or “credit utilization rate” before. Credit utilization ratio refers to the amount of revolving credit you currently use divided by the total available revolving credit.  Generally, you express the credit limit as a percentage. Here is more information on credit utilization ratio and how it plays an essential role in the perception of your credit profile. How Does Credit Utilization Work?...

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How Do I Address an Inaccuracy on My Credit Report?

How Do I Address an Inaccuracy on My Credit Report?

Whether it is a mortgage you are preparing for or an auto loan you need, the rate you borrow to make major life purchases is tied to how healthy your credit score is. So, it pays to keep an eye on your credit to make sure everything is in order. Credit reporting plays a critical role in consumers’ lives and has an enormous reach beyond consumer financial services. More than 200 million Americans have credit files, and lenders rely on this...

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What’s a Digital Wallet?

What’s a Digital Wallet?

Digital wallets make it possible to shop without using plastic cards. So, if you left your physical wallet at home, it wouldn't be a problem because you can still make purchases on your phone. Here's more information about a digital wallet and if it's right for you. What is a Digital Wallet? A digital wallet, also known as an e-wallet, is a system that stores the payment methods and passwords you use with various websites in one place on your...

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Premier Credit Monitoring.

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*Source: Fair Isaac Corporation.

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