Latest Credit Articles

What is PPP Loan Fraud?

What is PPP Loan Fraud?

When the pandemic hit in 2020, our world became chaotic overnight. Throughout the nation, individuals were met with layoffs or stringent checks—pushing the financials of families to their breaking points.

What is Pay to Delete Scam?

What is Pay to Delete Scam?

A lot of scams float around the internet that some people jump at or take a little coaxing to overcome the rejections. A few scams have ready-made targets more than willing to take advantage of the possibilities the scam offers.

What Is Overdraft Protection, and How Does It Work?

What Is Overdraft Protection, and How Does It Work?

Every industry has inflection points; some are massive, and others are small but very significant. In 1728, the Royal Bank Of Scotland gave a merchant, William Hog, the world's first overdraft.

What Is Cancellation of Debt and How Does It Work?

What Is Cancellation of Debt and How Does It Work?

Debt is most often referred to as an amount of money owed to another person. However, debt can be anything of value to the borrower.

What Is Credit Insurance on a Personal Loan?

What Is Credit Insurance on a Personal Loan?

The idea of insuring loans against non-payment was first developed in the nineteenth century. However, the companies that wrote these policies were short-lived.

What is Debt Relief, and How Does It Work?

What is Debt Relief, and How Does It Work?

Forgiving debt is a global phenomenon, from single credit cards to billions in government relief. Debt forgiveness has been part of the narrative for generations.

How to Choose the Best Credit Card for the First Time

How to Choose the Best Credit Card for the First Time

Building a great credit file takes time, and making the right choices when starting out. The best way to get started is to choose the right credit card.

Credit Privacy Numbers (CPN) Explained

Credit Privacy Numbers (CPN) Explained

We gather a few numbers and information throughout our lifetimes that must be protected at all costs. A social security number is the first and most crucial piece of information we use in every area of our lives.

What is Garnishment and How to Stop Debt Collection Scams

What is Garnishment and How to Stop Debt Collection Scams

Creditors have several ways to collect bad debts from people who do not pay their bills. One of the last and most harsh options is wage and bank account garnishment.

What Does Charge-off Mean on Your Credit Report?

What Does Charge-off Mean on Your Credit Report?

Credit profiles are a significant part of everyday life for business and personal. The long, fascinating, and twisted history of financial scores, claims to encapsulate a person's attitude toward credit and debt.

How to Get a Credit Card with Bad Credit?

How to Get a Credit Card with Bad Credit?

It's no secret that having bad credit can make it harder to get approved for a credit card. But what if you need a credit card to help improve your credit score?

How to Remove Hard Inquiries from a Credit Report

How to Remove Hard Inquiries from a Credit Report

A credit score is an invisible number, yet it often feels like it controls our lives. It determines what we can buy and how much we'll have to pay.

Featured Articles

How to Buy a House with Bad Credit

How to Buy a House with Bad Credit

Buying your own home is the American Dream, but it might seem out of reach to those with bad credit. However, the good news is, if your credit is less than perfect, you do still have options and in most cases, can still buy a home. Read More

Credit Freeze vs. Lock: What’s the Difference?

Credit Freeze vs. Lock: What’s the Difference?

With all our technology and connectedness comes a price, vulnerability. Now more than ever before, our credit and identities are at risk from cybercriminals, thieves, and hackers. Read More

How to Build Credit From Scratch in 3 Fast Ways

How to Build Credit From Scratch in 3 Fast Ways

If you have never had a credit card, loan, or mortgage, you may not have any credit. Or you may have established a credit history, but then ran into some financial troubles, and your credit suffered some blows. Read More

Top 9 Tips to Improve Your Credit Score

Top 9 Tips to Improve Your Credit Score

Unfortunately, in life, it is critical to have a good credit score to qualify for a mortgage, apply for a loan, or get credit cards. Read More

Explaining Bankruptcy and How Long it Stays on Your Credit Report

Explaining Bankruptcy and How Long it Stays on Your Credit Report

No one wants to go bankrupt, but when you get in over your head and can't see a way out, sometimes there is no choice. Bankruptcy is a process where the federal courts allow you to reduce or eliminate your personal or business debts. Read More

How to Freeze Your Credit

How to Freeze Your Credit

With data breaches, ransomware, and identity theft on the rise, consumers must put in an extra effort to keep their credit safe these days. Read More

What is an Extended Credit Fraud Alert?

What is an Extended Credit Fraud Alert?

In the past ten years, there have been numerous data breaches of big companies like Anthem, Home Depot, Target, Capital One, Chili's, Facebook, Google, and others. Read More

How to Place and Remove Fraud Alerts on Your Credit Reports

How to Place and Remove Fraud Alerts on Your Credit Reports

It seems like we hear about another data breach daily on the news. These days consumers must do all they can to protect their identity and prevent fraud on their credit or bank accounts. Read More

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