Credit cards offer consumers, like you and I, the flexibility and convenience to purchase products and services on credit. Swiping the card is easy and we don’t really think much of it until the statement closing dates loom near.  If you’re stuck with a large debt on a credit card…

The Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac will both consider rent payment history as part of its underwriting process so that buyers with limited credit histories can more easily obtain home loans. Future borrowers now have the benefit of a positive rental payment history…

If you’ve ever looked into ways to boost your credit or checked out credit repair services, you may have come across the term “credit tradeline.” Don’t knock yourself on the head if you don't know what that term means for you and your overall credit, we’re here to help you…

Every so often, life throws the unexpected at us and we find ourselves in a difficult financial situation. We experienced exactly this during COVID-19; the pandemic caught us all by surprise and caused ramifications that we’re still working to undo. Some lost their jobs, others their businesses, and some of…

If you’ve poked around our site, you’ve probably known that our customers experience an average increase of 40 points in 10 days after reporting their rent payments. 40 points? One might say 40 points seems insignificant. Actually, it’s quite the opposite. 40 points can take you from what's considered a…

About 45 million American consumers – maybe even you – are classified as credit unscorable. In other words, you have a limited or thin credit file, which means you have no credit score and credit agencies aren’t able to determine your credit risk. What does that mean? Quite simply, you’re…

Going to the emergency room or having an unexpected illness can be expensive. And just like any other bill, you need to pay your medical bills. Doctors and hospitals usually do not report debts to credit reporting agencies, but that doesn’t mean if you have unpaid medical bills that you’re…

When Americans find themselves in extreme financial distress, as millions are today, payday loans might seem like the only option for relief. But the truth is, they’re unfair,costly, and take advantage of people who are most vulnerable. Payday loans are often issued to people who have bad credit, no credit,…

Late Payments With Your Landlord vs With Credit Reporting Agencies Are you worried about late payments to your landlord and it negatively affecting your credit score? A late rent payment might mean different things to you, to your landlord, and to credit bureaus. To help with that we will answer…

You probably have a general idea of how to get a good credit score – like by paying your bills on time, avoiding excessive debt, and not applying for too many credit cards. But there’s a lot of credit myths out there that can prevent you from maximizing your credit…