How Does Inflation Affect Credit?

During times of high inflation, rising costs can put consumers under greater financial stress. High inflation can make it harder for you to pay for the things you need, more expensive for you to borrow money, and slow down economic growth on a large scale. If you’re...

What Is an SBA Loan?

Do you have a great business idea but need funding to get it off the ground? SBA small business loans offer affordable financing and flexible repayment terms to help entrepreneurs launch or expand a business. Here we explain what an SBA loan is and how it works. What...

Budgeting Tips to Pay Off Tax Debt

As tax season approaches, many individuals may find themselves grappling with the reality of owing money to the Internal Revenue Service (IRS). Whether due to unexpected income sources, insufficient taxes withheld from each paycheck, filing incorrectly, or missed...

Do Taxes Affect Your Credit Score?

Between the beginning of the year and mid-April, tax season is in full swing and many people are quickly going to tax professionals to either pay their taxes or get their refunds. One question on many minds is the connection between taxes and credit. Do taxes affect...

What Are the Different Types of Interest?

Whether you're considering a loan, navigating investments, or managing debt, understanding the intricacies of interest is a critical life skill in the modern world. The term “interest” comes up in all kinds of financial conversations, but what are the different types...

5 Essential Financial Skills for Every Adult

Looking to develop your financial skills? Young adults and even older adults all desire to be on top of their finances and not have to stress about money. But what do you do to continue having a great track record with your finances? Essential Financial Skills 1....

How to Improve Your FICO® Auto Score

Looking to buy your dream car? Having a strong credit score is an important early step in the process. Your creditworthiness determines the terms of your auto financing, making it crucial to understand how to enhance and maintain a strong credit profile. The most...

Raise Financially Responsible Children With These Tips

A parent's mission is to direct their children down the path of becoming responsible adults. One of the most valuable gifts parents can impart to their children is the knowledge and skills to manage personal finances responsibly and comfortably. The earlier children...

Top 10 MyScoreIQ Blog Posts of 2023

This past year you’ve looked to the MyScoreIQ blog for advice, making the following articles your go-to guides for navigating the sometimes-murky waters of credit scores and financial wellness. From conquering debt collector misreporting to handling credit after a...

7 Steps to Prepare for Retirement

While approaching retirement is exciting, it demands thoughtful planning and strategic decision-making. As you transition from your career into the golden years, envisioning the life you desire after the daily grind is essential. This guide helps you determine what...

Recent Articles

How to Save For a Down Payment in 2024

How to Save For a Down Payment in 2024

Planning on buying a home in 2024? This comprehensive guide provides practical insights on how to save for your down payment, empowering you to meet your real estate goals for the year. Here are nine key tips on how to save for a down payment in 2024. How to Save For a Down Payment 1. Evaluate Your Finances When embarking on the journey to save for a down payment, the first step is to thoroughly assess your financial situation. This crucial...

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How to Manage Money as a Couple

How to Manage Money as a Couple

With the right approach, learning to manage money as a couple can strengthen your bond and help you build a successful future together. Whether you're newlyweds navigating joint finances for the first time or a long-term couple seeking to optimize your financial strategy, this guide lays out a clear roadmap for managing money as a team. 7 Tips to Manage Money as a Couple 1. Practice Open Communication Encourage open and honest discussions about...

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How to Help Improve Your Credit in 2024

How to Help Improve Your Credit in 2024

Was your New Year’s resolution to improve your credit? Maybe you crave a tropical vacation, want a new car, dream of owning your own home, or simply want the peace that comes with healthy finances. A strong credit score is the key that helps unlock many of these opportunities. If you are looking to broaden your financial horizons, this can be the year you take your credit to the next level. Here's how to help improve your credit in 2024. 3 Ways...

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How Does Identity Theft Affect Your Credit Score?

How Does Identity Theft Affect Your Credit Score?

The threat of identity theft continues to snowball in today's digital age, affecting millions every year. Identity theft can damage your finances in a variety of ways, but how does identity theft affect your credit score? Here, we delve into the various forms of identity theft, common tactics used by identity thieves, and, most importantly, how identity theft can affect your creditworthiness in the eyes of lenders and credit bureaus. What Is...

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What is a Holiday Loan?

What is a Holiday Loan?

Do you ever feel overwhelmed during the holidays? The holiday season is a joyful time for festivities with family and friends. But it can also be a time of financial stress. If you're looking for ways to cover holiday expenses, a holiday loan can be a suitable option. But what is a holiday loan? A holiday loan is a type of personal loan designed to help borrowers cover the many expenses associated with the holiday season, such as gift shopping,...

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What Happens If You Go Over Your Credit Card Limit?

What Happens If You Go Over Your Credit Card Limit?

Trying to keep your spending under your credit card limit can be stressful. Sometimes, using up almost all of your available credit might be necessary. But what happens if you go over your credit card limit? Credit cards are crucial for managing daily expenses and building credit history. However, many people find themselves financially strained, teetering on the edge of their credit limits. All credit card holders should be aware of the...

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Does Business Bankruptcy Affect Your Personal Credit?

Does Business Bankruptcy Affect Your Personal Credit?

If your business has faced financial hardship, you may have considered filing for bankruptcy. It's a tough decision, but sometimes it's the only way forward. However, there's a looming question for most people when it comes to business bankruptcy: Does business bankruptcy affect your personal credit? Let's delve into the different types of business bankruptcies and how each of them can affect your credit. What Are the Types of Business...

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Does a Car Accident Affect Your Credit Score?

Does a Car Accident Affect Your Credit Score?

Car accidents can have a substantial impact on various aspects of life. One of those consequences is the potential for your credit score to be affected. Accidents can cause not only physical and emotional repercussions, but financial implications as well. Car repairs, medical bills, and other costs can have a detrimental impact on one’s well-being. These unexpected expenses can strain your budget – leading to missed payments, collection...

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10 Strategies to Save on Holiday Shopping

10 Strategies to Save on Holiday Shopping

The holiday season is a joyful time of celebration with loved ones, but it can also be a time of financial stress. Between buying gifts, decorating, and preparing for festive feasts, your expenses can quickly add up. However, with a little planning and the right holiday shopping plan, you can make the most of your budget and enjoy a holiday season with less financial burden. Here are 10 strategies to save on holiday shopping: 1. Black Friday...

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How Does a Personal Loan Affect Your Credit?

How Does a Personal Loan Affect Your Credit?

Personal loans can offer the financial flexibility you seek. But, before you decide if taking out a personal loan is a good idea for you, it's important to ask, "How does taking out a personal loan affect your credit?" This article walks you through the world of personal loans and the nuances of their potential impact on your credit score as well as gives you tips on how to use your loan to help increase your credit score through key practices...

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