How Long Does Negative Information Stay On Your Credit Report?

Updated Jan 08, 2024
By Aaron Sarentino
How Long Does Negative Information Stay On Your Credit Report?

Understanding how long negative information stays on your credit report and how it influences your credit score can help you make better decisions, especially if you need to rebuild...

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What Is An Authorized User On A Credit Card? (Understanding The Pros And Cons)

Updated Jan 05, 2024
By Minh Tong
What Is An Authorized User On A Credit Card? (Understanding The Pros And Cons)

Authorized users have legal access to use a cardholder's account, including making purchases. They receive a linked credit card, but the account's primary holder maintains responsibility...

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DIY Debt Settlement Versus Debt Relief Companies: Which One Is Better?

Updated Jan 05, 2024
By Melissa Cook
DIY Debt Settlement Versus Debt Relief Companies: Which One Is Better?

When dealing with creditors, you have two options: seeking Do It Yourself (DIY) settlements or working with a debt relief company. And while both options can lead to the same results...

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What Is A Cosigner? (What You Need To Know)

Updated Dec 20, 2023
By Aaron Sarentino
What Is A Cosigner? (What You Need To Know)

When taking out a loan, it is common for lenders to require the borrower to obtain a cosigner. Cosigners can increase approval odds and help provide more favorable loan terms...

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What Is A Good APR for A Credit Card?

Updated Nov 01, 2023
By Aaron Sarentino
What Is A Good APR for A Credit Card?

You’ve probably encountered the term “APR” frequently in the realm of credit when you’re researching credit cards or various loans. So, what constitutes a favorable APR for a credit card?

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What Is A Secured Credit Card? (What You Need To Know)

Updated Nov 01, 2023
By Minh Tong
What Is A Secured Credit Card? (What You Need To Know)

These are specifically designed for individuals aiming to establish or rebuild their credit. This includes those with poor credit or individuals who have no credit history. In fact, they are a great...

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What Is the Difference Between A Charge Card and A Credit Card?

Updated Nov 01, 2023
By Melissa Cook
What Is the Difference Between A Charge Card and A Credit Card?

You might have encountered the terms “charge card” and “credit card” being used interchangeably, but they are not the same. On the surface, they may look identical and make purchases...

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What Is A Balance Transfer And Is It Right For You?

Updated Oct 25, 2023
By Aaron Sarentino
What Is A Balance Transfer And Is It Right For You?

As shopping with credit cards can lead to accumulating balances quite easily, individuals find themselves in a situation where they need to manage a substantial debt load where they may...

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How to Pay Back Your Student Loan Refund Check

Updated Oct 05, 2023
By Minh Tong
How to Pay Back Your Student Loan Refund Check

Student loan borrowers who received refunds of voluntary payments made during the interest-free payment pause are now required to cover payments and interest on their entire student...

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