Credit Repair

High Balance: Does It Affect Your Score?

unexpected financial emergency, paying more than the minimum may not be feasible. However, if you are able to, it is highly recommended to pay as much as you can towards your balance each month. This will not only help you…

Credit counseling: How it can help you

credit counseling session, can actually have a positive impact on your credit score over time. As you make consistent payments and reduce your debt, your creditworthiness will improve. Benefits of credit counseling 1. Financial education: One of the primary benefits…

How to build business credit

Establishing and building credit for your business is a crucial step in making running your business easier. Having a healthy business credit history can help you scale your business and get approved for financing. While personal credit can be helpful…

13 bad credit habits you need to break now

identify any discrepancies and dispute them with your credit card company,” Gong said. “This can save you a lot of money and protect your credit score from unnecessary damage.” Not keeping your receipts can also make it difficult to track…

How to check your business credit score

In today’s business landscape, having a strong credit score is crucial for small businesses. Your business credit score can impact your ability to secure loans and credit cards, negotiate favorable payment terms with vendors, and even secure a lease for…

Debt forgiveness: How does it work?

If you’re struggling to pay off credit card debt, you may be wondering what debt forgiveness is and how it works. After all, having your debts forgiven can sound like an excellent option if you’re buried in a mountain of…

What is a credit utilization ratio?

Portions of this article were drafted using an in-house natural language generation platform. The article was reviewed, fact-checked and edited by our editorial staff. Credit utilization is a crucial factor in determining your creditworthiness and plays a significant role in…

How to create a budget using apps, card rewards

Household budgets are often seen as a financial tool for times of crisis or economic instability. However, the truth is that budgets are important even during the best of times. Without a budget in place, you’re essentially banking on the…