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 TerrellYour 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 HillOn March 18, 2022, the three credit reporting agencies, Equifax, Experian, and TransUnion, have announced users’ medical collection debt will be removed from their credit reports if they have been paid.
by Sheena AllenDebt can crush not only your score, but also your spirit as you are on your personal finance journey. Understanding how to better handle that debt that is in collections will give you confidence to needed to battle debt as as whole.
by Nadia C. VanderhallIn 2020, the Federal Trade Commission (FTC) reported that nearly five million people were victims of identity fraud. As this is a growing concern in today’s society, it is essential to know how to protect yourself from becoming a victim.
by Matin VarshochiCash is king but so is credit. Having good credit will take you a long way in life. It is important to get and keep a good credit score. Save the cash, leverage your credit.
by Sha'Kreshia TerrellFederal law mandates that a person is entitled to receive a free credit report from each of the three national reporting agencies, Equifax, Experian, and TransUnion, every 12 months. However, due to the COVID-19 pandemic, you can now get reports per week.
by Sheena AllenOver half of Americans live paycheck-to-paycheck, and additional financial stress has been added since the worldwide spread of the coronavirus. More than 40 million Americans are unemployed and having to file for unemployment benefits.
by CapWayThe three major credit bureaus Equifax, Experian, and TransUnion, are now offering free credit report checks every week until April 2021.
by Nailah HerbertEquifax agreed to pay almost $700 million to consumers impacted by their infamous data breach back in 2017.
by CapWayAmid Capital One and Equifax data breaches, knowing your credit is safe is becoming more challenging. As a result, it's a must to do an annual check, at minimum, to ensure everything is accurate and up to date on your credit report. Here are three free ways to check your credit report.
by Nailah Herbert