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2 days ago4 min read
Why Does My Credit Score Go Down If I Pay Off My Credit?
If you've recently paid off a credit card or loan, you might have been expecting your credit score to rise. After all, paying off debt...
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7 days ago4 min read
New Concerns: How Landlord Credit Reporting Could Impact Your Score
As more landlords begin using debt collectors to report unpaid rent to the credit bureaus, many consumers are finding themselves at risk...
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Feb 254 min read
Why Do You Need to Start Fixing Your Credit Score Now?
When it comes to your financial future, your credit score is one of the most important numbers that can shape your path. Yet, many people...
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Feb 203 min read
FICO to Incorporate Buy Now, Pay Later Data into Credit Scores: What It Means for Your Financial Future
In an exciting development for consumers, FICO has announced plans to incorporate Buy Now, Pay Later (BNPL) data into its credit score...
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Feb 183 min read
New Laws Affecting Credit Repair: What You Need to Know
In recent years, the credit repair industry has come under intense scrutiny due to the rise of scams and misleading practices. In an...
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Feb 133 min read
What Happens When the CFPB Shuts Down? Here's What You Need to Know and Where to Find Help
In February 2025, former President Donald Trump’s administration moved to shut down the U.S. Consumer Financial Protection Bureau (CFPB),...
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Feb 113 min read
The Challenges of Committing to Credit Repair
Committing to credit repair can often feel like an overwhelming and daunting task, especially for individuals who have struggled with...
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Feb 63 min read
FTC Sending $5 Million in Refunds to Victims of Deceptive Credit Card Debt Relief Scheme
The Federal Trade Commission (FTC) has announced a significant move to provide justice for victims of a deceptive credit card debt relief...
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Feb 42 min read
Your Essential Reminders Before Repairing Your Credit
Are you tired of seeing that dreaded "Credit Score" number hanging over your head? Perhaps you've already tried fixing it before, only to...
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Jan 303 min read
Servicemember Reports About Identity Theft Are Increasing: What You Need to Know
Identity theft is a growing concern in the U.S., and unfortunately, members of the military are not immune to it. In recent years, there...
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Jan 282 min read
How Cash-Out Refinances Can Improve Your Credit Score
A cash-out refinance can be a strategic financial move, especially when it comes to improving your credit score. By leveraging the equity...
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Jan 233 min read
How Long Can Delinquent Credit Card Debt Be Collected?
Dealing with delinquent credit card debt can be stressful and confusing, especially when you're unsure about how long creditors or...
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Jan 213 min read
CFPB Orders Equifax to Pay $15 Million for Improper Credit Report Investigations
In a significant step to protect consumers, the Consumer Financial Protection Bureau (CFPB) has ordered Equifax to pay $15 million for...
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Jan 163 min read
Big Relief for Credit Scores: CFPB’s New Rule Removes Medical Bills from Credit Reports
In a significant move to improve financial stability for millions of Americans, the Consumer Financial Protection Bureau (CFPB) has...
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Jan 144 min read
Why Do Credit Card Companies Reduce Your Credit Limit?
Credit cards are convenient financial tools, offering flexibility and rewards, but they also come with a responsibility to manage your...
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Jan 94 min read
Car Repossessions Surge 23%: What’s Driving the Increase?
In recent months, the rate of car repossessions has seen a significant spike, climbing by 23% compared to the same time last year. For...
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Jan 73 min read
Ending 2024 on a High Note: A Fresh Start to Your Credit Building Journey in 2025
As we close the chapter on 2024, it's the perfect time to reflect on our financial journeys and set ourselves up for success in the year...
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Dec 26, 20243 min read
Breaking the Cycle of Living Paycheck to Paycheck
In a world where financial pressure is ever-present, it’s no surprise that 40% of Americans are living paycheck to paycheck. For many,...
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Dec 24, 20242 min read
Can I Get Sued for Not Paying Debt Collectors?
Debt collectors can be persistent, and if you're struggling with overdue bills, the pressure can feel overwhelming. One of the biggest...
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Dec 19, 20245 min read
Americans Now Owe $1.64 Trillion in Car Loan Debt: What This Means for Consumers and the Economy
In recent years, car loan debt in the United States has reached alarming heights. As of the latest reports, Americans now owe a...
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Dec 17, 20244 min read
Long-Term Credit Management Strategies
Managing credit isn't just about avoiding debt; it's about building a healthy financial foundation that lasts for the long haul. A...
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Dec 12, 20243 min read
HELOC Balances Surge by $7 Billion: What This Means for Homeowners and the Economy
In a notable shift within the credit landscape, recent data shows that HELOC balances have increased by $7 billion. This increase raises...
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Dec 10, 20245 min read
The Best Apps to Check Your Credit Score
In today’s fast-paced world, knowing your credit score is more important than ever. It’s a reflection of your financial health and plays...
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Dec 5, 20243 min read
The Growing Challenge of Homeownership
In recent years, homeownership in the U.S. has become an increasingly distant dream for many Americans. Over 3 in 4 renters who do not...
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