Explainer · 3 min read
A data breach does not directly change your credit score, but it can lead to identity theft that opens new accounts in your name and damages your score. The risk depends on what information was exposed. Acting quickly after a breach announcement can limit the damage.
Checklist · 2 min read
Borrowing from a retirement plan is best treated as a last resort. It stops your money from growing and can trigger taxes if you miss payments. Check your plan rules and explore other options first.
Q&A · 2 min read
Your issuer may close your card due to inactivity, missed payments, or policy changes. You still owe any balance and should keep paying on time. Check your credit report to see how this impacts your score.
Listicle · 3 min read
School bills can strain a household budget. Six specific moves help lower costs. Ask about meal aid and fee waivers, and plan for recurring charges early.
Myth vs fact · 3 min read
Bankruptcy does not erase every debt, and it does not mean losing everything you own. It is a serious legal step with lasting effects on credit. Talk to a professional before deciding.
Myth vs fact · 2 min read
Q&A · 3 min read
Checklist · 3 min read
Checklist · 3 min read
Employers usually see a credit report, not a score, after you give written permission. Pull your own report to check for errors first. Know your rights and be ready to explain any negative items honestly.
Myth vs fact · 2 min read
Q&A · 3 min read
Myth vs fact · 2 min read
How-to · 2 min read
A rent increase is not always final. Check your lease and local rules first. Then research nearby rates and negotiate politely in writing. Get any deal in writing before signing.
How-to · 3 min read
Listicle · 3 min read
Q&A · 3 min read