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Black-Owned Credit Unions: Your Guide to Inclusive Banking

A conventional white family has eight times the wealth of a typical Black family. A Black-owned bank is a regular banking institution where the board of directors comprises African American members. Netflix, Inc deposits 2% of its funds in Black-owned banks.

October 21, 2022
Richard Samuel

Soft vs Hard Credit Check: Which Is Financially Healthier?

Credit checks can be pretty confusing, especially if you’re not one to keep track of your credit reports. However, it’s a good idea to learn the differences between hard and soft credit checks, because one of them could affect your credit scores in the long run.

October 4, 2022
Allan Moses

How to get started on your credit journey

A good credit score can help you in various things such as opting for an education loan, getting a home loan, buying a car using credit, or just as simple as opting for a credit card. You can get a secured credit card easily when you are just starting your credit journey.

September 15, 2022
Devanshee Dave

How to Freeze Your Credit: Protecting Your Financial Security

There are three credit bureaus in the US - TransUnion, Equifax and Experian. You can contact them and get your credit account frozen. There is no cost associated with freezing or unfreezing your account.

September 15, 2022
Devanshee Dave

Credit Score: Everything you need to know in 2024

For FICO, it is your payment history and credit utilization ratio while for VantageScores, it is your credit use, its available credit and your credit mix. But what does your credit score mean?

September 15, 2022
Devanshee Dave

Does Partial Payment Affect Credit Score? Explained

Partial payments will have a negative effect on your credit score. Even though the creditor might accept the payment, it will be reported as missed or delinquent when you don’t pay the minimum amount.

September 4, 2022
Richard Samuel

Can I Settle for a Fair Credit Score?

The Federal Trade Commission always advises everyone not to believe agencies that guarantee to increase your credit score or remove certain parts from your report. These are scams that would steal your money.

September 4, 2022
Richard Samuel

630 Credit Score: Understanding Your Financial Health

According to FICO, nearly 9% of Americans had scores between 600 and 649 in 2019. If you pay every bill on time and never use more than 30% of the credit limit, you can easily increase your credit score.

September 4, 2022
Richard Samuel

Bad Credit and No Credit: What’s the Difference

Both bad credit and no credit have their disadvantages. It is best to have a favorable score and take actions that create a good credit history.

September 2, 2022
Devanshee Dave

Credit score 580: Is it good or bad for you?

Delaying payments and bills can lead to a bad credit score. A score of 580 is considered a bad score. Almost 12.5% of Americans hold credit scores between 500 to 599 on the FICO.

September 2, 2022
Devanshee Dave

Why is your credit score low?

It's crucial to have a good credit score. When you are irregular with your loan or credit card payments, you are likely to have a low credit score.

August 30, 2022
Richard Samuel

What to Know Before You Get a Credit Card: Essential Tips

We all know that getting our first credit card is a milestone. You either already have a sense of how credit cards work and how to handle them responsibly, or you’re new to the scene. Anyway, whatever your plight, you don't have to feel bad if some of this stuff is new to you!

August 30, 2022
Shirlene Grace Isaac

Credit Wellness: How to Maintain Good Credit Health

Are you're saving up to buy a house someday? And you’ll need a big loan for the same? Or do you want to pay less interest on your credit card? Either way, you need to improve your credit score. The key to getting better interest rates and lower fees.

August 30, 2022
Shirlene Grace Isaac

Cash Now Pay Later vs Buy Now Pay Later

While Buy Now Pay Later (BNPL) has become the buzzword of the payments industry in the Covid-19 era, have you heard of Cash Now Pay Later(CNPL)? If you haven’t you are living under a rock! No worries, that’s why we’re here, to help you understand the nuances of BNPL and CNPL and what will work best for you.

August 30, 2022
Shirlene Grace Isaac

Why ‘Buy Now, Pay Later’ Is a Bad Idea: Exploring the Risks

If you continuously rely on the Buy Now Pay Later (BNPL) method for your purchases, you might have to change your plans to survive 2022.

August 23, 2022
Richard Samuel