How Underwriting Helps Lenders Determine Your Creditworthiness
Let’s clear up the confusion once and for all: An underwriter isn’t someone who edits novels. In the financial sense, an underwriter is a... read more »
By: Eric Bank • 12/26/24
(59 total)
Guide
7,572 views
9 min read
Let’s clear up the confusion once and for all: An underwriter isn’t someone who edits novels. In the financial sense, an underwriter is a... read more »
By: Eric Bank • 12/26/24
Guide
22,382 views
9 min read
Ever thought about taking up an alternative lifestyle? Maybe going vegan, living in a van, or dressing in a smashing neo-soul wardrobe? It seems... read more »
By: Eric Bank • 12/2/24
Guide
19,314 views
7 min read
When I first started learning about credit and the role credit bureaus play in the financial landscape, I remember thinking there was something... read more »
By: Andrew Allen • 11/27/24
Guide
26,049 views
9 min read
If you’ve ever tried to get a credit card or loan only to be met with a “Sorry, we have nothing to go on,” it means you have no credit history.... read more »
By: Choncé Maddox • 11/20/24
Guide
20,550 views
9 min read
What are some things we consider soft? Well, you got your soft-boiled eggs, soft tissues, soft-shelled crabs, soft inquiries … Wait! What? What... read more »
By: Eric Bank • 11/11/24
Guide
53,238 views
11 min read
When people ask me what part of personal finance they should care about, I always tell them: your creditworthiness. Being creditworthy is like... read more »
By: Zina Kumok • 10/1/24
Guide
36,244 views
9 min read
Bureau isn’t a word I hear or use all the time, but some bureaus have a big impact on my daily life — whether I realize it or not. One of the... read more »
By: Andrew Allen • 9/4/24
Guide
35,295 views
7 min read
“Hey, how’s your credit?” isn’t a question we’re often asked in everyday chats with our friends or coworkers. We’d rather discuss last night’s... read more »
By: Andrew Allen • 9/3/24
Guide
72,396 views
11 min read
Your credit history is a record of your financial background, covering every time you’ve borrowed or repaid money. It includes information about... read more »
By: Eric Bank • 8/5/24
Guide
82,555 views
13 min read
Credit monitoring is a process that involves tracking your credit reports and scores so you can quickly identify any changes or suspicious... read more »
By: Eric Bank • 7/18/24
Guide
100,000+ views
3 min read
It’s not unusual to read articles about credit scoring and the various categories of metrics that influence your credit scores. What is unusual,... read more »
By: John Ulzheimer • 7/3/23
Guide
100,000+ views
7 min read
On the surface, credit reports and credit scores are pretty straightforward. You can quickly find important and accurate information from widely... read more »
By: Erica Sandberg • 5/4/23
Guide
100,000+ views
7 min read
Criticizing the credit reporting agencies or the credit scoring companies is almost a national pastime. Nobody likes credit bureaus, credit... read more »
By: John Ulzheimer • 3/1/23
Guide
100,000+ views
5 min read
Your credit can have a tremendous influence on your overall financial health. Good credit makes it easier to obtain more affordable financing... read more »
By: John Ulzheimer • 9/12/22
Guide
100,000+ views
5 min read
When you apply for and take out a loan, you agree to make payments to your lenders and return their money, plus fees and/or interest. Loans can... read more »
By: John Ulzheimer • 6/21/22
Guide
100,000+ views
5 min read
Your credit reports are loaded with information, including personal data, employment information, public records, collections, credit inquiries,... read more »
By: John Ulzheimer • 5/31/22
Guide
100,000+ views
5 min read
If you have a goal to earn and maintain solid credit scores, it’s critical to keep a close eye on all of your credit reports. Frequently... read more »
By: John Ulzheimer • 3/23/22
Guide
100,000+ views
13 min read
Your credit score can be a passport or an obstacle to a better lifestyle, which is why you may want to legally remove items from your credit... read more »
By: Eric Bank • 3/8/22
Guide
100,000+ views
5 min read
A credit report is simply a record indicating how well, or how poorly, you’ve managed your credit obligations in the past. Think of them as you... read more »
By: John Ulzheimer • 3/1/22
Guide
100,000+ views
5 min read
The Fair Credit Reporting Act (FCRA) is a consumer protection statute that Congress passed in 1970. In this context, a statute is a federal law,... read more »
By: John Ulzheimer • 10/4/21
Guide
100,000+ views
5 min read
Before you apply for new financing, such as a credit card or mortgage, it’s wise to consider the factors your lender will likely examine when it... read more »
By: John Ulzheimer • 6/30/21
Guide
100,000+ views
3 min read
When you apply for a credit card, a loan, or any other form of credit, the lender will check your credit reports as part of your application and... read more »
By: John Ulzheimer • 1/1/20
Guide
100,000+ views
5 min read
If you’re interested in learning about how to remove late payments from your credit report, read on for our recommendations and see if one of... read more »
By: Brittney Mayer • 6/12/18
Guide
100,000+ views
5 min read
If you’ve seen the word derogatory on your credit report, you may understand that it’s probably not good. But you may also be wondering what,... read more »
By: Brittney Mayer • 3/22/18
Guide
100,000+ views
5 min read
Maybe you’ve had some missed credit card payments here and there but you’re ready to put those tardy payments behind you. Below, we’ll take a... read more »
By: Ashley Fricker • 2/28/18