Managing credit card debt can be challenging, but a balance transfer credit card can provide relief by allowing you to consolidate and reduce interest payments. In this guide, we’ll explore everything you need to know about balance transfer cards and how they can...
As an authorized user, that status can greatly affect your credit score and overall financial health. Whether you want to improve your credit or are thinking of having someone be an authorized user on your account, knowing the details of this status is key. Today,...
Are you wondering about why you are getting calls from 877-867-5139? Many people report these as spam or debt collection calls. Debt consolidation companies may contact you for unpaid debts or offers. Knowing why they call helps you stay safe and avoid scams....
Does Divorce Affect Credit Scores? Divorce by itself never affects credit scores. However, financial relationships with marriages can do serious damage. Many couples end up sharing credit cards and debts as a result of sex accounts. This can affect your credit long after...
If you want to understand what credit scores are, then you have landed on the right page. However, with this technological advancement, the use of artificial intelligence (AI) in improving the credit scoring algorithm has become a reality. The application of AI to this very purpose...
When it comes to managing your credit, two names that frequently pop up are FICO and Vantage Score. These credit scoring models are like the “heartbeats” of your credit health they determine your creditworthiness and ultimately decide if you’ll qualify for loans, credit...
Your credit utilization ratio plays a pivotal role in determining your credit score. It represents the percentage of your total available credit that you are actively using. A high utilization ratio can signal to lenders that you may be overextended financially, which can...
Have you ever looked at your credit report and felt completely lost? You are not alone. Many people struggle to understand credit report sections, codes, and what lenders see when they review their credit history. A credit report is more than just a...
Can medical debt hurt your credit score? Many people assume that unpaid medical bills only affect their relationship with healthcare providers, but medical debt can significantly impact credit health. In fact, medical collections have historically been one of the most common negative marks...
Which is better for improving your finances: credit counseling or credit repair? Many people assume these services are the same, but they serve very different purposes. Choosing the right one depends on whether you are struggling with debt management or need to fix...