Can My Student Loans Affect My Credit?
Since the 90’s, student loans have become an increasingly popular method of paying for higher education. As far as credit goes, a student loan is labeled as an installment loan on your credit report. It is in the same category as an auto loan or mortgage so, as long...
How Can Identity Theft Impact Your Credit Score?
Are you the victim of identity theft? You’re not alone. According to Experian, credit card fraud is one of the most common forms of identity theft. In 2017 alone over 133,000 reports were filed, an increase of 23% over the year before, and the rates are only expected...
How Often Should You Check Your Credit Score?
In a world of hacks and data leaks, it’s more important now than ever to keep a close eye on your credit score. Contrary to popular belief, you can actually check your credit score as much as you want without any negative effects. In some few cases, pulling your...
Top Tips to Lower Your Credit Utilization
What is credit utilization and how can I lower my credit utilization? Your credit utilization is a percentage of available credit you are using compared to your total credit limit. It can be calculated as a total of all balances and on a card-by-card basis. A high...
How Long Do Negative Marks Stay on Your Credit Report?
Have you ever found yourself wondering, how long do negative marks stay on my credit report? Fear not, we’ve done the legwork of compiling information from leading credit sources to calm your credit fears. Your credit report provides a snapshot of your...