A balance transfer allows you to move an existing credit card balance to a new card, often with a lower or even 0% introductory interest...
How Does a Balance Transfer Affect Your Credit?
read more
Our Library
Credit
Understanding credit can be confusing, but it doesn’t have to be.
If you’re looking for self-help credit advice and tips, we’ve curated our top articles, guides, and resources about improving your credit, how to get the most out of credit cards, understanding your credit score, and more.
How Balance Transfers Work: Do Balance Transfers Hurt Your Credit?
Many people wonder how balance transfers work and if they can negatively affect your credit score. Balance transfers are a powerful tool...
6 Signs Financial Coaching Is Right for You
Managing your finances can be complicated and overwhelming, especially when you're trying to balance short-term needs with long-term...
How Many Credit Cards Are Too Many?
Credit cards play an essential role in personal finance, offering a convenient way to make purchases, build credit, and earn rewards. But...
What Happens if You Miss a Car Payment?
Financial stability is a crucial aspect of personal well-being, and missing a car payment can be a significant source of stress. A missed...
How Can Credit Cards Help Your Credit Score?
In today’s financial landscape, your credit score holds the power to make or break your financial health. With the potential to save or...
Missed Credit Card Payment by 1 Day? Here’s What Happens if you Miss a Credit Card Payment
Missing a credit card payment, even by just a day, can have a series of consequences that might surprise you. Whether it’s an oversight or...
What Makes a Good Credit Score?
What is a good credit score, and how do you determine what makes it good or not? If you’ve ever applied for a significant loan, like for a...
How Do Medical Bills Affect Your Credit?
Dealing with medical bills can be overwhelming, especially when you're unsure how they might affect your credit score. Understanding the...
Quadpay (Zip): Is Paying Later Worth It?
Zip — formerly Quadpay — is a “Buy now. Pay later.” platform. They allow you to “split any purchase into 4 interest‑free installments over...
“Car Dealership Ran My Credit Multiple Times” – Here’s What to Do
If you’ve been vehicle shopping recently, you might have noticed that the car dealership ran your credit multiple times. Don’t panic just...
What is a Balance Transfer Credit Card?
Managing credit card debt can be challenging, especially with high interest rates. One effective strategy is using a balance transfer...
Who Can Access Your Credit Report Without Permission?
Your credit report contains a lot of sensitive information such as your Social Security number, past addresses, and employment history....
5 Ways to Track Your Goals
Setting goals is a crucial step towards achieving success in any area of life, especially financial goals. However, tracking those goals...
How to Plan for Retirement at Every Life Stage
Planning for retirement can seem daunting, but breaking it down into actionable steps at each stage of your life can make it more...
5 Credit Card Debt Negotiation Strategies
Do you ever lie awake at night staring at the ceiling, the weight of your credit card debt pressing down on you? You're not alone....
5 Essential Steps Before Buying Your First Home
Buying a home is a significant milestone that requires careful preparation to navigate successfully. Whether you're buying your first home...
Understanding the Impact of Credit Scores on Home Loan Approval
Your credit scores play a crucial role in determining your eligibility for a home loan. These three-digit numbers, typically...
Understanding Credit Scores and Credit Limit
In the realm of personal finance, comprehending the nuances of credit scores and credit limits is essential for individuals striving to...
Does Debt Relief Hurt Your Credit?
As we approach Debt Awareness Week, the average American household now has more than $100,000 in debt. Total household debt has...
How to Get Your Free Annual Credit Report: A Step-by-Step Guide
Are you interested in your credit report and scores? Here, we walk you through the process of obtaining your free annual credit report...
What are Interest Rates? How Does Interest Work?
Interest rates are a fundamental aspect of the financial world, impacting everything from loans to savings accounts. Yet, comprehending...
9 Ways to Protect Yourself from Credit Card Fraud
Imagine: you're sitting at a café sipping on your morning latte, feeling productive as you review your credit report on your phone....
How to Budget and Build Credit in College
Looking to build credit in college? Heading off to college means more than just hitting the books; it's also about taking charge of your...
What You Need to Know Before You Open a New Credit Card
Opening a new credit card can be a great way to build your credit history and earn rewards for products or services. However, it's...
How Can Credit Cards Help Your Credit Score?
In today's financial landscape, your credit score holds the power to make or break your financial health. With the potential to save or...
What is the Relationship Between Credit and Debt?
Do you know the relationship between credit and debt? How each play a part in supporting your overall financial journey? You're not alone...
How To Manage Your Credit Card Payments?
Total credit card debt set a record of $930.6 billion last year, according to CNBC. Managing credit card payments isn’t easy, but an...
At What Age Can I Get a Credit Card?
Building good credit is one of those things in life that just seems so “adult.” And it’s especially important in an ever-growing cashless...
Why Did My Credit Score Go Down? 10 Reasons Why It Changed
“Why did my credit score go down when nothing changed?” This is a common question our financial coaches are asked. The truth is, credit...
Understanding Business Credit Scores vs. Personal Credit Scores
Just like personal credit scores, business credit scores indicate to lenders, credit agencies, vendors or suppliers just how reliable you...
What is the Minimum Credit Score to Buy a House?
So it’s time to buy a home! Typically, you need a credit score of at least 620 to secure a loan from a qualified lender. This score...
How to Build Credit While in College
Just like a college degree, good credit can create financial possibilities you only ever dreamed of. But unfortunately, starting to build...
Wells Fargo’s Decision Might Hurt Your Credit Score
Are you a Well's Fargo customer? If you have a personal line of credit with Wells Fargo, it's highly likely that your credit score will be...
Credit Cards: Everything You Need to Know
A credit card allows you to borrow money to buy almost anything you want. However, they come with added costs such as interest and fees –...
Credit Monitoring: Everything You Need to Know
Our worlds are more digital than ever before, which means our private information is more vulnerable to potential threats like fraud and...
Repairing Bad Credit: Everything You Need to Know
Good credit is the en tryway to those big-ticket financial decisions that make a difference in your life. Renting an apartment, getting a...
5 Ways to Improve Your Credit Score
https://www.youtube.com/watch?v=oGdmEvSNetY Hello everyone and welcome to Ask Abby, we have a particularly awesome show for you today with...
Tips to build your credit while in college (Interview)
https://www.youtube.com/watch?v=qihwkz1rOu0 Because swimming in student loan debt doesn’t count as cardio, so you’ll need some funds for...
Why should I care about my credit score?
https://www.youtube.com/watch?v=go7IIvJQUF4 Hello everyone and thank you for tuning into Ask Abby, our live show where we answer all of...
How Does APR Work?
https://www.youtube.com/watch?v=RtkyXMUghtY
Types of Credit Scores: VantageScore vs. FICO Score vs. Credit Score
Understanding your credit score can be hard. And to make things even more confusing, you may have heard that there are different types of...
How Do You Get The Highest Credit Score?
Having the highest credit score will make it easier to qualify for mortgages and car loans, start a business, and, in some cases, secure a...
What is a Good Credit Score?
Credit Score Basics If you’ve ever attempted to purchase a big-ticket item, such as a house or a car, the financing company likely spoke...