Using Credit Responsibly

Student loans make college — and, increasingly, a middle-class life — attainable. But you should fully understand how student loans work before taking them out.

FICO 9 brought in three major changes to how your credit score is calculated: it minimized medical debt, incentivized paying off collections accounts, and recognized rental history.

Debt management program programs are a lifesaver for some, but for others they can do more damage than they do good.

Applying for a line of credit always involves a hard pull on your credit. While pre-approval or employee-based credit pulls involve soft pulls. Hard pulls affect your credit, soft pulls don’t. So make sure you know the difference.

What is a good credit score? The answer is tricky, but this guide tells you everything you need to know to qualify for loans, credit cards, and more.

When you check your credit score, you may be wondering why your credit score is different depending on where you check it. Here’s why.

Your 401(k) may seem like the perfect solution to wipe out your student loans, but early withdrawals come with a series of financial setbacks that can outweigh the benefits.