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…

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…

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…

Nothing can be more frustrating than checking your credit scores and discovering they aren’t as strong as you think they should be, even though you pay your bills on time.  For those with clean payment histories, the culprit bringing down their scores is often a formula that sounds like it…

45 million Americans do not have a credit score  – that’s one in every 10 adults!  And it can happen to anyone – young adults on their own for the first time, military personnel returning from overseas, recent immigrants to this country, those who are widowed or divorced…and maybe, even…