Results for "Credit Report"48 results found.
What’s The Difference Between a Soft and Hard Credit Inquiry?

Everyone should regularly check their credit report. The difference between a soft inquiry and a hard inquiry can significantly impact your score. Here's what you should know about the difference between both.

by Sha'Kreshia Terrell
Can My Debit Card Usage Affect My Credit Score?

There are pros and cons to both debit and credit cards. It’s important to understand how to use both cards so that you can have great financial health.

by Sha'Kreshia Terrell
Buy Now Pay Later Regulation to Be Implemented by CFPB

During the COVID-19 pandemic, many people were laid off from their jobs causing their expenses to become unaffordable. Many people were unable to purchase some necessities and desired products outright, which caused them to turn to the buy now, pay later (BNPL) program.

by Matin Varshochi
The Difference Between Assets and Liabilities

Financial statements are often thought of as something that only companies need worry about, but a personal financial statement can help you track your financial health and hone in on trouble spots and opportunities. 

by Pam Hill
Revolving Credit Line vs. Non-Revolving Credit Line

One of the simplest ways to secure financing is through a line of credit.  The application process for lines of credit tends to be quicker and less involved than for other types of financing such as business loans, personal loans or mortgages.

by Pam Hill
Pros and Cons of Having An Authorized User

Authorized users, like cosigners, should be carefully considered before adding them to a credit card account. If not, it can be a costly mistake and will likely ruin your credit score.

by Sha'Kreshia Terrell
3 Tips to Build and Improve Your Credit Score

Financial decisions like purchasing a cell phone or applying to rent an apartment or house will require you to have your credit score in good standing. A low credit score can also allow lenders to charge you a higher upfront cost or pay more money because you aren’t considered creditworthy.

by Matin Varshochi
What is a Credit Ghost and How to Avoid Being One?

Credit ghosts are people who have no credit score, but they could improve their financial situation by building credit. Here's what is a credit ghost and what to know if you are one.

by Sha'Kreshia Terrell
Nine Key Steps to Buying a Home

Buying a home is a big deal, so it is important to be financially prepared in advance. Here are nine steps to take to prepare yourself to become a homeowner.

by Shaun Morgan
Why Your Credit Score Matters When Purchasing a Home

Your credit score is used by lenders to determine your credit risk when it comes to borrowing money. The higher your credit score, generally speaking, the more you'll be able to borrow, and the lower your interest rate. That can save you thousands of dollars over the life of your loan. So, if you're looking to purchase a home, read on to learn how to optimize your credit score.

by Pam Hill
Five Business Hacks For New Entrepreneurs

New businesses must balance the twin pressures of large outflows of cash against limited inflows. Developing a financial management plan and closely monitoring cash flow are among several business moves that can position a new entrepreneur for success.

by Pam Hill

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