Taking out a loan is a big financial decision. Getting cash quickly might help for a short time, but loans have fees and interest that must be paid back on time. A lot of people who take out loans want to pay them off as quickly as possible to avoid paying more interest. People often … Read more
It’s good practice to make a down payment of at least 20% on a new car and 10% for used. A larger down payment can also help you qualify for a better interest rate. But how much a down payment should be for a car isn’t black and white. If you can’t afford 10% or … Read more
One of the most important things that lenders like Wells Fargo look at when deciding whether to give you new credit is your credit score. But what exactly does Wells Fargo mean by “good” credit? In this detailed guide, we’ll explain everything you need to know about credit scores and what Wells Fargo wants. Before … Read more
When it comes to understanding your credit report and score, you may have heard of Equifax, Experian, and TransUnion. These three big credit bureaus, which are also called credit reference agencies or just credit agencies, are very important when it comes to giving you credit information and keeping track of it. It is also one … Read more
Every swipe, tap, or click of a credit card tells a story about our economy, consumer behavior, and technological evolution. In 2025, these plastic (and increasingly digital) rectangles continue to dominate the payment landscape – with Americans holding over 500 million cards and global transaction volumes reaching unprecedented heights. For businesses, especially those managing employee … Read more
Lenders will look at your credit report and score when you apply for an auto loan to see how creditworthy you are. But not all credit scores are the same. Auto lenders rely heavily on your FICO Auto Scores, which are unique credit scores designed to measure the risk of lending money for cars. In … Read more
FHA loans are one of the most popular loans for homebuyers because they have various benefits such as: But can your credit score affect the home-buying process for an FHA loan? Throughout this article, we’re going to walk you through everything you need to know regarding how your credit score affects FHA loans. We’ll also … Read more
If your credit score is 734, you are right in the middle. At the end of 2021, Experian said that the average American consumer had a FICO Score of 714. A score between 670 and 739 is usually thought to be good. Most lenders consider an 734 credit score to be an average credit score … Read more
While achieving a perfect 850 credit score is rare, its not impossible. About 1. 3% of consumers have one, according to Experians latest data. FICO scores can range anywhere from 300 to 850. The average score was 714, as of 2021. The few people who do manage to achieve perfect credit scores tend to share … Read more
Hey there friend! If you’re about to get a call or letter from a debt collector, I feel your pain. That feeling of hopelessness in your gut as you try to figure out how to get out of this mess is rough. But lemme tell ya straight up you got options. Debt cancellation is a … Read more