Personal Finance
Advertiser Disclosure
Chapter 7 Bankruptcy: All You Need to Know
Chapter 7 bankruptcy is a powerful legal process that can help you escape overwhelming debt.
Best Credit Building Debit Cards in October 2024
Some debit cards allow you to build credit without applying for a loan. That’s a big deal for those with poor (or no) credit history.
What Affects Your Credit Scores?
Your credit score can significantly impact your ability to qualify for loans and credit cards. Learn what affects your credit score so you can work toward a positive financial future.
Which Credit Score Do Mortgage Lenders Use?
Looking to take out a mortgage? It’s important to find out what credit scores mortgage lenders use so you can put your best financial foot forward.
How Long Do Collections Stay on Your Credit Report?
Collections are recorded on your credit report when you default on a debt, and they can last up to seven years.
How to Freeze Your Credit
A credit freeze stops unwanted credit inquiries and can help thwart identity thieves. Learn how to place a credit freeze and when you should do it.
What Are Tradelines and How Do They Work?
Credit-reporting agencies, such as Experian, use so-called “tradelines.” These are lines on your credit report that spell out each revolving and installment credit account you have and also include your name and the business or organization to which you owe money.
700 Credit Score: Is It Good or Bad?
Are you wondering if a 700 credit score is good or bad? We’ll answer that question and help you understand what products are available with a 700 credit score.
How to Get a Personal Loan Without a Credit Check
A credit check is usually standard when applying for personal loans, but there are some lenders that don't require them.
What Is a 609 Dispute Letter?
A 609 dispute letter is a method of requesting that a credit bureau remove erroneous information from your credit report.
Hard vs. Soft Credit Checks: How Do They Impact Your Credit?
What's the difference between a hard pull versus a soft pull credit check, and how can it impact your credit? Read on to learn more.
What Are the Different Credit Scoring Ranges?
There are four broad credit scoring ranges: Bad, fair, good, and excellent. Knowing where your score falls is important if you plan on applying for credit.
Business Credit Score: What Is It, How to Check It
A business credit score is crucial if you want your company to grow. Find out how these scores work and where they originate from.
7 Ways to Build Credit Without A Credit Card
There are loads of ways to improve your credit profile that don’t involve credit cards. Some don’t even require an application of any sort.
8 Reasons Your Credit Score Dropped and 6 Ways To Fix It
A sudden drop in your credit score can cause anxiety, but by identifying and correcting the issue you can get your score back up in no time.
How to Get an Apartment With Bad Credit
Securing an apartment rental with bad credit may be challenging, but you can achieve your goal with the right strategies.
How to Get an 800 Credit Score
A high credit score can help you secure better loan terms and access the lowest interest rates. Learn how to get an 800 credit score.
How to Remove Hard Inquiries from Your Credit Report
Hard inquiries can lower your credit score, so it’s important to learn how to remove them from your credit report. Here’s how you can do it.
Credit Utilization Ratio: All You Need to Know
Endeavor to keep your credit utilization below 30%. That’s the key to harnessing the “amounts owed” component of your credit score and keeping your credit healthy.
What Is a Hard Inquiry?
Hard inquiries happen when an authorized person or entity requests a copy of your credit reports. Hard inquiries are also known as “hard pulls” or “hard credit checks.” They’re usually standard when applying for credit.
1.3331.0+2.5.0