Basics of Credit
May 18, 2023

How to Build Credit After Bankruptcy: Tips and Strategies

Experiencing bankruptcy can be a challenging and humbling process, but it's important to remember that it's not the end of your financial journey. Rebuilding your credit after bankruptcy is possible…
Basics of Credit
May 11, 2023

The Benefits and Risks of Co-Signing for a Loan

Co-signing for a loan can be a risky decision that can have both benefits and drawbacks. In this article, we'll explore the benefits and risks of co-signing for a loan,…
Basics of Credit
May 4, 2023

Understanding the Difference: Credit Repair vs. Credit Monitoring

If you're struggling with credit problems, you may have heard of two common solutions: credit repair and credit monitoring. While these terms may sound similar, they are two distinct services…
Basics of Credit
April 27, 2023

The Role of Credit Utilization in Your Credit Score

Your credit score is a number that represents your creditworthiness to lenders. It is based on various factors, including payment history, length of credit history, types of credit, and credit…
Basics of Credit
April 21, 2023

How to Build Credit as a Young Adult: Tips and Strategies

Building credit as a young adult can be intimidating, especially if you don't have a credit history yet. But it's important to establish good credit habits early on because a…
Basics of Credit
April 13, 2023

How to Choose the Right Credit Card for You?

Credit cards have become an essential part of our financial lives, providing us with the convenience of making purchases without carrying cash. With so many different types of credit cards…
Basics of Credit
April 7, 2023

How to Dispute Errors on Your Credit Report?

A credit report is a comprehensive record of your credit history that lenders, landlords, and other institutions use to assess your creditworthiness. A credit report is created by credit reporting…
Basics of Credit
March 30, 2023

The Impact of Late Payments on Your Credit Score

Late payments on your bills, loans, or credit card payments can have a significant impact on your credit score. Your credit score is a numerical representation of your creditworthiness, and…
Basics of Credit
March 16, 2023

Tips for Managing Credit Card Debt 

Credit card debt is a common problem for many people. When credit card balances start to add up, it can be difficult to keep up with payments and avoid high…
Basics of Credit
March 9, 2023

Financial Equality for Women 

International Women's Day is a day to celebrate the social, economic, cultural, and political achievements of women. It is a day to recognize the contributions women have made to society…
Basics of Credit
March 4, 2023

The Pros and Cons of Secured Credit Cards

Secured credit cards are an option for individuals who are looking to build or rebuild their credit. Unlike traditional credit cards, secured credit cards require a security deposit to be…
Basics of Credit
March 3, 2023

Understanding Credit Card Interest Rates

Credit cards are an essential tool in today's society, allowing consumers to purchase goods and services without carrying cash. However, when using a credit card, it is crucial to understand…
Basics of Credit
February 25, 2023

5 Credit Mistakes to Avoid: Tips for Achieving Financial Security

The Impact of Credit Mistakes You might be shocked by how frequently mistakes appear on credit reports. Your life may be significantly impacted by your credit report. Your ability to…
Basics of Credit
February 21, 2023

5 Most Common Negative Information on Your Credit Report

The 5 most common negative items found on credit reports can be really damaging to your credit score if they aren't removed. Let’s find out what they are? 1. Collections…
Basics of Credit
February 9, 2023

What Are Tradelines?

Credit reporting companies refer to the credit accounts displayed on your credit report as "tradelines." There is a unique tradeline with details on the creditor and the debt for each…
Basics of Credit
February 2, 2023

February Financial to do list: 4 Things to Do

January is a challenging month due to Christmas overspending as well as the time period between December's early earnings and January's payday. A February financial to-do list that can jumpstart…
Basics of Credit
January 27, 2023

How to Increase Your Credit Scores in 2023?

Inflationary prices and rising interest rates from the previous year intensified pressure on households. However, improving your credit can help you minimize your borrowing costs. Your credit score can play…
Basics of Credit
November 9, 2022

How Many Credit Bureaus Are There?

Most people speak of having a "score" when in fact most people have at least three or more scores - and these scores can vary widely. There are three major…
Basics of Credit
October 29, 2022

Should You Cancel Unused Accounts?

Many people believe that all they need to do to boost their credit score is to pay off certain debts and close some accounts. This is not entirely true. Consider…
Basics of Credit
September 14, 2022

Student Loan Forgiveness. Who qualifies?

You will qualify for up to $20,000 in debt cancellation if you received a Pell Grant for your Student loan at the time of application (Low income). If you qualify…
Basics of Credit
June 24, 2022

What Happens If I Can’t Pay My Mortgage Anymore?

If you're struggling to pay off your mortgage and you do the things needed to get it, it can be tempting to think that you can get away with not…
Basics of Credit
June 16, 2022

6 Common Collection Myths

Knowing your rights can protect you from Collection Agencies (CAs), and save you from a lot of panics, anxiety, and sleepless nights! Here are some of the most common myths/misunderstandings…
Basics of Credit
June 1, 2022

3 Tips for Pride Month to Help You Improve Your Financial Situation

This month is Pride Month, which has become a time to celebrate the LGBTQ community. It's also a time when many people are thinking about how they can improve their…
Basics of Credit
May 26, 2022

5 Ways to Reduce Overspending

So you've been overspending, huh? Don't feel bad — we've all done it! You just need to change your ways if you want to get a handle on your finances.…
Basics of Credit
May 12, 2022

What Is Credit Repair Service?

What is credit repair? Credit repair is when a third party, often called a credit repair organization or credit services organization, attempts to get information removed from your credit reports.…
Basics of Credit
April 1, 2022

What Can Help Your Credit Score

"𝘐 𝘸𝘪𝘭𝘭 𝘯𝘰𝘵 𝘶𝘴𝘦 𝘮𝘺 𝘤𝘳𝘦𝘥𝘪𝘵 𝘤𝘢𝘳𝘥 𝘴𝘰 𝘮𝘺 𝘤𝘳𝘦𝘥𝘪𝘵 𝘶𝘵𝘪𝘭𝘪𝘻𝘢𝘵𝘪𝘰𝘯 𝘸𝘰𝘶𝘭𝘥 𝘴𝘵𝘢𝘺 𝘭𝘰𝘸." Oops! That's not how it works! Not using your credit cards does not help increase your…
Basics of Credit
March 16, 2022

5 Things to Do When Market Crashes

Of course the stock market crash is scary. This is because there are a lot of emotions involved in trading. When the value of your portfolio goes down the whole…
Basics of Credit
March 10, 2022

How to Invest Like Warren Buffett with These 5 Simple Tips!

Warren Buffett is a successful investor and businessman. He has made billions of dollars with his investments in business and stocks. Here are 5 simple tips that will help you…
Basics of Credit
February 22, 2022

Needs Vs. Wants: Battling between Needs and Wants

Some of us got into the habbit of spending more money on what we want, which we all know that these are unnecessary but desired things, also to increase the…
Basics of Credit
February 12, 2022

6 Things to Protect Your Rights Against Creditors

You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a "debt…