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What Is a Charge-Off and What Does It Mean for Your Credit?

What Is a Charge-Off and What Does It Mean for Your Credit?

by Kristin Austin | Apr 4, 2023 | Articles, Credit 101, Featured Articles

If you’re trying to understand how credit works, you might have come across the term “charge-off.” A charge-off is an important concept to understand because it can significantly impact your credit score and financial health. In this blog, we explain...
Why Do You Need to Check All Three Credit Reports?

Why Do You Need to Check All Three Credit Reports?

by Brian Acton | Mar 27, 2023 | Articles, Credit 101, Featured Articles

If you haven’t noticed, your credit report includes your credit card accounts, loans, payment history and more. Collectively this information determines your credit scores. It’s important to know what is in your credit history to ensure the information is fair...
Does Credit Card Fraud Affect Your Credit Score?

Does Credit Card Fraud Affect Your Credit Score?

by Kristin Austin | Mar 21, 2023 | Articles, Credit 101

Credit card fraud involves someone using another person’s credit card information to purchase goods and services illegally without their knowledge. Credit card fraud is a very common form of identity theft that has existed for a long time. As the use of credit...
What is a Good Length of Credit History?

What is a Good Length of Credit History?

by Kristin Austin | Mar 17, 2023 | Articles, Credit 101, Featured Articles

Have you ever wondered how long your credit history should be? Is there an ideal length? Does the length of your credit history affect your credit scores? This blog explains what your credit history is and how it affects your credit scores. What is Credit History?...
Why Do I Have Different Credit Scores?

Why Do I Have Different Credit Scores?

by Kristin Austin | Mar 9, 2023 | Articles, Credit 101, Featured Articles

Have you ever wondered why you have different credit scores from all three major credit bureaus? Let us help explain. The information that gets reported to each credit bureau can be different. And your credit scores might be calculated by different scoring models. So...
Do Credit Scores Update on Holidays?

Do Credit Scores Update on Holidays?

by Kristin Austin | Dec 14, 2022 | Articles, Credit 101, Featured Articles

With the holiday season in full swing, it’s normal to get caught up in searching for the right holiday gifts, planning parties, sending greeting cards and opening your home to family and friends. But if you wish to keep your credit health in check during this...
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