How to Enjoy the Holidays After Bankruptcy

*This article is not intended to provide legal advice for your particular legal situation. If you need legal advice about bankruptcy or any other issue, contact a lawyer in your state. Regardless of how close…

What Is a Fair Credit Score?

When you need to apply for a new type of financing, whether it’s a credit card or a car loan, you might start paying attention to what kind of credit score you have. After all,…

How to Calculate Debt to Income Ratio

Your debt to income ratio is a crucial figure, especially when you apply for a mortgage, home equity loan, or another large personal loan. By understanding what it is and what your target number should…

What Is a Credit Privacy Number (CPN)?

Credit privacy numbers (CPNs) are touted by some credit repair companies as being a helpful way to disassociate yourself from your bad credit history and start fresh. Rather than using your Social Security number as…

How Student Loans Affect Your Credit

For many Americans, it’s difficult to escape college without accumulating some degree of student loan debt. In fact, the average debt for a Class of 2017 graduate exceeded $35,000. Not only does your student loan…

How Does Closing a Credit Card Affect Your…

Increasing your credit score can seem like a complicated process. After all, it’s created by an intricate algorithm that weighs each and every item on your credit report in a variety of different ways. Because…