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2 days ago3 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...
500

4 days ago2 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...
720

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...
510

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...
490

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...
440

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...
450

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...
570

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,...
740

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...
420

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...
490

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...
600

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...
450

Dec 3, 20245 min read
Understanding the Accounts on Your Credit Report and How They Affect Your Credit Score
Your credit report is a detailed financial history that provides insight into how you’ve managed debt in the past. Lenders, landlords,...
580

Nov 28, 20244 min read
Auto Loan Balances Surge by $18 Billion: What It Means for Borrowers and the Economy
In a noteworthy development, the total auto loan balances in the United States have surged by $18 billion, pushing the total outstanding...
850

Nov 26, 20245 min read
Common Errors Made by Credit Bureaus: What You Need to Know
When it comes to maintaining a healthy credit score, few things are as important as the accuracy of the information in your credit...
490

Nov 21, 20243 min read
85.1% of Consumers Plan to Use Credit for Holiday Shopping: How to Stay Smart With Your Borrowing This Season
The holiday season is fast approaching, and with it comes the excitement of gift-giving, festive meals, and countless sales. But while...
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Nov 19, 20245 min read
Charge-Offs vs. Collections: What They Are and How They Impact Your Credit
If you've ever struggled with credit card debt or missed payments, you’ve likely heard the terms charge-off  and collection . Both can...
450

Nov 14, 20245 min read
28% of Credit Card Users Are Still Paying Off Last Year’s Holiday Debt
The holidays bring joy, celebration, and often, financial stress. With 28% of credit card users still grappling with debt from last...
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Nov 12, 20243 min read
How Often Does Your Credit Score Update?
If you’ve ever checked your credit score and wondered why it sometimes fluctuates, or why it hasn’t budged in a while, you’re not alone....
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