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VantageScore vs. FICO: Which is Better When You’re Building Credit?
When it comes to improving your credit, knowing how your scores are calculated and which score you’re looking at can make a huge...
Aug 142 min read


Trump’s Credit Score Shake-Up: What It Means for You and Why It Could Be a Game-Changer
In a move that’s stirring conversation across the credit and mortgage world, the Trump-appointed leadership at the Federal Housing...
Aug 123 min read


"Why Did My Credit Score Go Down After I Paid Off My Collection?"
Paying off a debt — especially a collection — should feel like a win. You did the responsible thing. You handled your business. So why...
Aug 54 min read


Why Credit Repair Companies Can’t Erase Your Credit Inquiries in 72 Hours — Don’t Fall for It
You’ve probably seen the flashy ads or heard the slick sales pitches: “Remove all your credit inquiries in 72 hours or less!” The...
Aug 12 min read


The True Cost of Waiting (It’s More Than You Think)
We’ve all done it: told ourselves we’ll wait until “things settle down” or “conditions improve” before making a big move. In today’s...
Jul 243 min read


Don’t Wait for Rates to Drop — Be Ready When They Do
How many times have you heard someone say, “I’m just going to wait until interest rates go down”? It’s a common line in today’s housing...
Jul 223 min read


The Truth Before You Reach the 700 and 850 Credit Score
Everyone talks about the magic numbers: 700, 750, 800—even the elusive 850. And while reaching a “good” or “excellent” credit score can...
Jul 172 min read


The 7-Day Credit Fix Myth: What You Really Need to Know
If you've been searching online for ways to fix your credit, you've likely come across headlines or ads that promise to “boost your score...
Jul 152 min read


How to Prepare for a Natural Disaster Without Breaking the Bank
From the recent flooding in Kerrville, TX to the rising waters sweeping across parts of North Carolina, natural disasters are becoming...
Jul 102 min read


BNPL Could Now Cost You More Than Just Interest: FICO’s Watching
If you’re someone who loves the convenience of “Buy Now, Pay Later” (BNPL) apps—like Klarna, Afterpay, or Affirm—you’re not alone. You...
Jul 82 min read


Understanding the Fair Credit Billing Act: What It Is and How It Protects Your Credit Rights
If you've ever found an error on your credit card bill—like a charge you didn’t make or a duplicate transaction—you might have felt...
Jul 33 min read


Will the New SALT Cap Changes Save You Money?
As Congress debates a new federal tax bill, one key proposal could have major financial consequences for millions of Americans—especially...
Jun 263 min read


What’s the New SALT Bill?
Congress is currently debating changes to the state and local tax (SALT) deduction cap, which limits how much you can deduct from federal...
Jun 242 min read


Why It's Crucial to Include Your Name, Address, DOB, and Last 4 of Your SSN in Credit Dispute Letters
When it comes to repairing your credit, submitting dispute letters to the credit bureaus is one of the most effective tools at your...
Jun 192 min read


The Financial Advantages of Living with Parents in Your 20s
With inflation, student debt, and skyrocketing rents becoming the norm, more young adults in their 20s are choosing to live at home with...
Jun 172 min read


When Immigration and Finances Collide: How Deportation Can Impact Credit and Money Matters
In the world of immigration, deportation is often viewed strictly as a legal or personal issue. But behind the headlines and courtroom...
Jun 132 min read


Dismantling of the Education Department Casts U.S. Student Loans into Uncertainty
In a historic and unprecedented move, the recent dismantling of the U.S. Department of Education has sent shockwaves through the...
Jun 52 min read


27 States Require Personal Finance Courses for High School Graduation: A Win for Students!
In a world where financial challenges are inevitable, being prepared is more important than ever. That’s why the news that 27 states in...
Jun 32 min read


Navigating Student Loan Payments: Proactive Strategies to Combat Debt After Forbearance
As the landscape of student loan repayment shifts, particularly with the recent announcement by the Trump administration regarding the...
May 293 min read


Why Mortgages Dominate U.S. Household Debt
When we talk about debt in America, it’s easy to point fingers at credit cards, student loans, or auto financing. But the true elephant...
May 272 min read


The Reality of Fixing Your Credit While in Debt Consolidation — And Why We Don’t Recommend It
In today’s financial climate, more people are turning to debt consolidation to manage overwhelming debt loads. While consolidating debt...
May 222 min read


Unemployment at 4.2%: What It Means for Your Credit Score and Financial Health
As of the latest economic update, the national unemployment rate stands at 4.2%. This figure, while relatively low in historical terms,...
May 202 min read


Americans’ Credit Card Debt Falls, But Past-Due Student Loans Drag on Credit Scores
As of early 2025, American consumers are experiencing a dual financial reality: credit card debt is decreasing, yet past-due student...
May 152 min read


A New Era in Healthcare: President Trump's Recent Bill Promises to Lower Health Costs by 80%
In a groundbreaking move to reform healthcare affordability, President Trump has recently signed a bill aimed at reducing health costs by...
May 133 min read
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