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 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…

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…

Did you know that there is more than one scoring model to calculate your credit score? The two main scoring models to calculate your credit score are FICO and VantageScore and lenders may look at one, or both of them when making decisions to issue a credit or approve you…

The FICO Resilience Index is a new credit rating that, while it has been in the making for many years, was recently released due to the economic downturn caused by COVID-19. This newest FICO index was created to help lenders better measure a person’s ability to keep their financial obligations…

If you’re one of millions of Americans who have faced job loss or reduced income from the Covid-19 pandemic and are facing financial hardship, you may be worried that missing rent and other payments will affect your credit score. The good news is that at least for the near-term, your…

Good news – if you didn’t already know, your credit score could improve by 30 points, thanks to new scoring rules! The three major credit reporting bureaus, TransUnion, Equifax and Experian, will now exclude all tax liens from credit reports. For most people, that means a credit score increase, and…

A poor credit history doesn’t mean you won’t get that dream job, but your credit history can play a role in an organization’s decision to hire you. So, if you’re looking for a new job, you need to know why prospective employers care about your credit history. Many companies that…

Take the first step in gaining control of your credit by getting your credit score. We'll talk about where you can get credit reports and break down how to understand the information- including common reporting errors that could affect you. Chat with us in real-time at our next Facebook Live…