Your credit report is an important document that provides a snapshot of your credit history. It includes information such as your payment history, credit utilization, and any accounts in collections. Understanding your credit report is key to maintaining good credit …
Credit utilization is an important factor that affects your credit score. In fact, it accounts for about 30% of your FICO score. Credit utilization refers to the amount of credit you use compared to your total credit limit. For example, …
We’re celebrating Black History Month. We’re striving to celebrate the Black community, while also drawing attention to ongoing marginalization and inequality.
Black Americans have been – and continue to be – underserved and discriminated against in banking. Black-owned banks, in …
Written by Ali Montag
If you’re thinking seriously about your financial future, you’re already miles ahead of the crowd. Still, it can be tricky to know how to get started. One thing you …
Written by Taryn King
May I start by saying welcome to the club? No, you are not a bad person. We all do the comparison act, especially when it comes to friends and …
Written by Vishnu Juvadi
At the beginning of the year, everyone was eager to make a list of new year’s resolutions. We believe that we’re gonna follow through with them and change our entire …
26 million consumers in the U.S. have no credit history.
Being credit invisible means that you have no credit history with one of the 3 nationwide credit reporting companies: Experian, Equifax, …
Debt that occurs from careless spending can do nothing but harm you, but justifiable loans can enhance your quality of life.
The words ‘good’ and ‘debt’ don’t seem like they would belong together. However, big …
