Peer-to-Peer Lending: What It Is and How It Works

Peer-to-Peer Lending: What It Is and How It Works Credit Report by Maria Shahid Share Share Email Merriam’s defines peer as a “one that is of equal standing with another.” You aren’t on equal standing with a bank or credit union if you want a loan, but you are on a reasonably equal standing when […]

Adulting 101: How to Interpret Your Credit Report

Adulting 101: How to Interpret Your Credit Report Credit Cards by Maria Shahid Share Share Email Aside from monitoring your credit score every month, you should make sure to check your credit report at least twice a year for errors or signs of fraud. Fair warning though, a credit report is more difficult to understand […]

How Often Should You Be Checking Your Credit Score?

How Often Should You Be Checking Your Credit Score? Credit Cards by David B. Coulter Share Share Email In a world where personal data is routinely breached, it is sensible to regularly check your credit score to be sure it’s not only accurate but that it is also not being used without your knowledge. While […]

15 Credit Myths To Dispel

15 Credit Myths To Dispel Credit Report by David B. Coulter Share Share Email When talking about credit, there have always been a lot of myths surrounding the subject. Not only is there a lot of confusion around how to get a credit report, there is also confusion around how consumers can check their credit […]

The Credit Scores That Lenders Use Most

The Credit Scores That Lenders Use Most Credit for Beginners by David B. Coulter Share Share Email   Not only does your credit score evolve (typically covering six-year periods) as your borrowing and payment history matures, it’s also determined by three potential sources that report varying numbers based on different types of credit scores. It’s […]

Is It Ever a Good Idea To Open a Retail Credit Card?

Is It Ever a Good Idea To Open a Retail Credit Card? Credit for Beginners by David B. Coulter Share Share Email Most retailers accept different payment forms, so does it make sense to open a retail store credit card? The short answer is: Yes — under certain circumstances.  If you think that retail store […]

What is a Good Credit Score?

What is a Good Credit Score? Credit for Beginners by David B. Coulter Share Share Email A good credit score is a credit score of 700 or higher. Your credit score is one of the most crucial elements affecting your economic potential. Whether you’re just starting your financial journey, looking to apply for a loan, […]

The Money Advice You Shouldn’t Always Listen To

The Money Advice You Shouldn’t Always Listen To Credit for Beginners by David B. Coulter Share Share Email We’ve all heard it before — advice from so-called money experts that tell you what you should and shouldn’t be doing with your money. While some advice is certainly helpful in general, it’s important for people to […]

How to Check All Three of Your Credit Scores

How to Check All Three of Your Credit Scores Credit for Beginners by Staff Writer Share Share Email Why do you have three credit scores, and how do you check them? Whether you’re planning to apply for a loan, rent an apartment, or simply ensure your financial well-being, regularly monitoring your credit scores from Equifax, […]

Fed’s Rate Cut: What it Means for Your Wallet

Fed’s Rate Cut: What it Means for Your Wallet Personal Finance by Staff Writer Share Share Email When it comes to your wallet, you don’t want to wait around to find out what happens… The Federal Reserve recently announced its first interest rate cut since 2020, lowering the benchmark rate by half a percentage point. […]