banking
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Dispute a TransUnion Credit Report: A Step-by-Step Guide
Did a recently rejected credit application prompt you to view your TransUnion report? Or maybe you were casually browsing your free credit report and noticed issues. Either way, you want to clean up
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Understanding Credit Accounts & Your Credit Score: A Comprehensive Guide
Your credit score is calculated using a complex algorithm based on several factors. So to improve your credit score, it’s essential to understand how credit bureaus determine it so that you ca
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Voluntary Car Repossession: Protecting Your Credit & Options
When you get behind on your car payments, it might feel like you have no options ahead of you. However, if you’re anxious about having your car forcibly repossessed by the bank, there is a way to ta
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FCRA Explained: Your Rights & Credit Report Accuracy
The Fair Credit Reporting Act (FCRA) is a United States federal law passed in 1970 to regulate consumer rights and how banks and other entities use their information. It is enforced by the Federal T
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Understanding Credit Report Access: Who Can See Your Report?
Only certain persons and organizations are allowed by law to access your credit report for specific reasons. The rules that govern who can and cannot access your credit reports are set forth in the
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Understanding Credit Reporting Agencies: Your Guide to Credit Scores
Credit reporting agencies are an integral part of the credit scoring process. Whether you’re working on repairing your credit, building it from scratch, or maintaining an excellent score, it’s impor
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Removing Public Records from Your Credit Report: A Comprehensive Guide
What is a public record on your credit report? Public records are information pertaining to legal matters that have a direct impact on your finances. They list things like paid and unpaid debts, leg
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Understanding Credit Repair Legality: Your Rights as a Consumer
For millions of Americans with poor credit, the idea of fixing their credit sounds almost too good to be true. But, you may wonder, “Is credit repair legal?” when you see credit repair companies adv
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Understanding Bad Credit Scores: Causes & Improvement Strategies
Maybe you already know your credit score is lackluster, or maybe you’re dragging your feet to find out because you don’t want to know just how bad it is. Before worrying about that dreaded three-dig
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Fraud Alerts: Understanding Identity Theft Protection
Identity theft has always been around in some form or fashion, but it’s now easier than ever because of modern technology. Before, you only had to worry about sensitive information being stole
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Understanding FICO Score Ranges: What You Need to Know
When you’re attempting to improve your credit score, it’s important to know how lenders categorize credit scores. That way, you can determine where yours should be to achieve your financial goals. I
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Credit Privacy Numbers (CPNs): What They Are & The Truth
Some credit repair companies tout credit privacy numbers (CPNs) as a helpful way to disassociate yourself from your bad credit history and start fresh. Rather than using your Social Security number
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Understanding Credit Scores: What's the Best Score & Why It Matters?
The standard credit range for the most popular credit scoring models, FICO and VantageScore, is 300-850. This range has led many people to believe that they need perfect credit to receive the best r
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Build Credit From Zero: Your Guide to a Strong Credit Score
A strong credit history opens up a wide range of opportunities. For example, you can get great interest rates on major purchases like a home or car and become a prime candidate for apartments and jo
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Top 5 Credit Builder Loans to Improve Your Credit Score in 2024
There are several ways credit scores can affect our lives, including interest rates, how much credit we are allowed to borrow, and whether we are approved for a credit card or loan. Having poor or n
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Understanding Credit Scores: Why They Matter for Your Financial Future
Some people assume they don’t need to worry about their credit score because they don’t plan to borrow money and want to live their lives debt-free. While it’s certainly possible to get through life
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Authorized Users on Credit Cards: Benefits, Responsibilities & How It Works
Whether you’re looking to lengthen your credit history or increase your credit scores, becoming an authorized user can help establish better personal credit. And anyone with a credit card may
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Hard vs. Soft Credit Inquiries: Understanding the Impact on Your Credit Score
Hard credit inquiries constitute an entire section on your credit report, but what exactly are they? If you have too many hard inquiries, they can cause a drop in your credit score. It can also caus
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Credit Report Accuracy: Major Changes to Tax Liens & Civil Judgments (July 2017)
Beginning on July 1st, the three major credit bureaus, TransUnion, Experian and Equifax, will no longer report tax liens or civil judgments with incomplete information on individuals’ credit reports
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Chase Credit Limit Increase: How to Request & Optimize Your Credit
Do you ever wish your credit limit was higher? Chase offers some of the best credit cards on the market. It’s important to realize that your current credit limit doesn’t have to remain t
banking
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Japan Exchange Group (JPX): Overview & Financial MarketsJapan Exchange Group is a Tokyo-based financial services corporation that operates different financial instruments exchange markets. It facilitates the trading of Japan’s financial securitiesMar...
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Unlock Social Commerce Success: The Power of a Robust Product CatalogBillions of people use Meta Technologies every day to connect with family and friends worldwide, but these social commerce platforms have evolved into powerful sales channels. Social commerce ha...
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Small Business Hiring Challenges: 42% Struggle to Fill Open PositionsIf the job market is so poor, why ar...
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Bitcoin Mining Explained: How It Works & Earn BitcoinBitcoin is a cryptocurrency that’s gained wide popularity due to its rising price and is created through a process known as “mining.” Bitcoin mining is how new bitcoins get intro...