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    Medical bills can affect your credit if they are not paid. But they affect your credit differently depending on the amounts. For example, As of March 31,2023 if your medical bill is under $500, they will not show up on your credit report. But if they are...

Revolving tradelines include credit cards and lines of credit, while installment tradelines include loans, such as mortgages, auto loans, student loans and personal loans. For each revolving and installment credit account that you have, there’s a tradeline for it on...

Fraud Alerts Fraud Alerts are one way to help protect your credit. There are 3 types of fraud alerts that can be placed on credit reports. The first type is called Initial fraud alert. This type of alert is free of cost and lasts up to 1 year on your credit reports....

With inflation it is getting harder to make ends meet and you’re staring down a pile of bills. Take these four steps to pay your essential bills and find the breathing space you need at the end of the month. This will help you keep going with essentials, to then get...

When you have extra money, do you wonder if you should pay off your credit cards and close them or make an extra payment or two. Some people believe that it is always better to have a balance on their credit cards. So that bring up the question if we should or not. To...

We are halfway in to into 2023 and you may still have time to meet your credit goals. Your credit score will be a key contributor to whether you qualify for that new vehicle you wanted or new house. Having good to excellent credit is a score 700-850 using the FICO...

You may be wondering what is the right credit card for me? With so many types of cards, it might be hard to find the right one. There are many things to consider, when choosing a credit card. First, how is my credit score? Second, what do I want in a card. And third,...

Hard inquiries may be known as “hard pulls” or “hard credit checks”. This happens when a financial institution, such as a lender or credit card company runs your credit to approve you. The most common take place when you apply for a mortgage, auto loan, or credit...

What should you know before you start to apply for a loan? Before you start trying to get a loan, there are certain things you should consider. The most important thing is what is my credit score? There are many types of lenders, and each may have their own...