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Cash flow underwriting didn’t quietly make its way into the spotlight — it kicked the door open. Over the past year, what began as a tool for edge cases has exploded into the mainstream. Lenders fed up with flying blind on paper-thin credit files are now... read more »
Credit unions have a new partner in recovering late-stage delinquencies and charge-offs — without sacrificing their members. Remynt, a California-based debt recovery and credit-rebuilding fintech company, secured strategic funding and rolled out a credit union... read more »
The Federal Reserve Bank of New York recently released what at first glance seemed like optimistic numbers. In the first quarter of 2025, credit card balances fell by $29 billion from the previous quarter, and now stand at $1.18 trillion. With the economy in... read more »
Equifax is counting on personalization once again with the launch of its Optimal Path™ Interactive Score Planner. It helps consumers map the course to improved credit by presenting them with prescriptive monthly actions to boost their VantageScore 3.0 — and... read more »
Explore our latest research and studies on the personal finance industry, as our experts cover topics such as debt, credit scores, banking, insurance, lending, and other key resources for American consumers.
They were raised on budgeting apps, YouTube finance hacks, and “money diaries.” But... read more »
Summer is heating up, and so is the dating scene. But behind rooftop drinks and first... read more »
Money mistakes are a financial burden that most people would rather not discuss.... read more »
Snacking has become second nature for Americans, with some people skipping meals... read more »
Need a better understanding of bad credit and how to fix it? Our finance experts have put together a series of step-by-step guides on a variety of bad credit related subjects.
By: John Ulzheimer • Posted: 6/19/25
When you apply for any form of credit, whether that be a credit card, a mortgage loan, or an auto loan, it is almost a certainty that one or more of your credit... read more »
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We gathered leading personal finance experts specializing in a range of subprime topics to share timely, actionable advice with readers from around the world. Learn more about our leading finance experts.
Andrea Woroch
Consumer finance expert, writer, and TV personality specializing in budgeting and saving money.
John Ulzheimer
Nationally-recognized author and expert on credit reporting, credit scoring, and identity theft.
Erica Sandberg
Leading reporter, journalist, author and experienced TV/radio host with 15+ years of finance expertise.
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