A goodwill letter usually asks creditors to overlook the past due bill and accept your payment as if it had been received on time. The end result is left up to the creditor to decide whether or not to erase any negative marks on your credit report.

Landlords perform credit checks to make sure that a rental applicant appears trustworthy and has a solid history of making payments on time. You can take several steps to pass your next rental credit check with flying colors.

The Buy Now, Pay Later (BNPL) service is a new payment method that has become increasingly popular. Despite BNPL becoming more widespread amongst the younger generation, this program carries significant financial risks if the money isn’t paid back on time.

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.

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.

If you own a credit card, it’s important to know how it works, and one of the perks of having a credit card is consumer protection. For example, you can dispute the charge with your credit card company if you have a billing error or fraudulent charge.

After receiving medical care, a bill must be paid off. Typically, if someone has health insurance, the insurance company will cover all or a portion of the bill. Some may have little to no income, which makes it hard for them to afford insurance, which leads to accumulating debt.

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.

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.

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.

On 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.