Credit scores and credit reports are essential in qualifying for everything from credit cards to apartment rentals and auto lending. However, you may be shocked to find out that there's a difference between a credit score and a credit report. It all may sound very similar, but the truth is…

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.  At the end of 2022, total credit card debt hit a record…

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…

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…

Yes, it's true, you CAN build your credit score without your own credit card. If you already have a car loan or your cell phone line, you'll have to get creative if you want to build your score without using your own credit card. Luckily, we have some ideas for…

Credit laws and consumer protections are complicated. You don’t need to know every detail about these laws but you should definitely be familiar with your rights so know how to properly respond to issues that arise. The Equal Credit Opportunity Act (ECOA) The Fair Credit Reporting Act (FCRA) The Fair…

We live in a credit-driven world, so if you have a low or no credit score, you might be getting through life without having a credit card. That can be challenging since you always need cash readily available to buy what you need.  It’s the catch-22 of credit. If you…

The Answers To All Your Important Questions. Credit is the ability to borrow money or access goods or services with the understanding that you'll pay later. Lenders, merchants, and service providers (known collectively as creditors) grant credit based on their confidence you can be trusted to pay back what you…

One of the most important things you can do to protect your credit – especially now – is to check your report regularly. Equifax, Experian and TransUnion are making every consumer’s personal credit report available for FREE on a weekly basis through April 2021. To get a free copy of…

Most people who have entered the world of credit have heard of Experian, Equifax, and TransUnion. These three credit reporting agencies—also called credit bureaus and consumer reporting agencies—play a big role in our ability to get mortgages, car loans, credit cards, and sometimes even renting an apartment or getting a…