Understanding Credit

Understanding the Impact of Late Payments on Your Credit Score

Late payments can have a significant impact on your credit score, so it's crucial to understand how they work and how they can affect your..

Why Does Credit Utilization Matter?

Credit utilization refers to the amount of credit you're using relative to the amount of credit available to you.

Is Credit Repair Legal? - Let's find out

If you’re struggling with a poor credit score, you may be wondering whether credit repair is legal. The short answer is yes, credit...

What Is An Authorized User Tradeline?

On the other hand, a low credit score can limit your options and make it more difficult to achieve your financial goals.

7 Tips To Get A Small Business Loan

You've finally built up the courage to start a business. You've taken the first steps, and now you're ready to make it happen. Whether you..

How Long Does A Repo Stay On Your Credit Report?

A Repossession can stay on your credit report for over 7 years! The longer a repo stays on your credit report, the more negative impact it..

What Is Credit and Why Am I So Concerned About Having a High One?

We live in a time when credit cards are all around us. You might be thinking about getting one, or maybe you already have one...

Authorized Users and Credit Cards: The Benefits and Risks

you'll often be asked if you want to add any authorized users to your account. Adding an authorized user can be a way to earn additional...

What is FICO 8 and Who Uses it?

FICO 8 is the most commonly used version of the FICO model. Like previous versions, it takes on-time payments, account balances, and...