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Does Your Credit Start Over After 7 Years?

When life throws you a curveball and your credit card debt goes unpaid, it begs the question – what happens to unpaid credit card debt after 7 years?. Although the unpaid debt will go on your credit report and have a negative impact on your score, the good news is that it won’t last forever. … Read more

Do Apartments Check Your FICO Score When You Apply?

Timely rent payment is one of a landlords biggest concerns. So, to better evaluate which applicants are most likely to pay on time, landlords may use credit information to screen tenants. Let us tell you what you need to know about your credit history in order to rent your next place. Tenant credit checks are … Read more

Can I Use My Target RedCard at Walmart?

As a loyal Target shopper, you know the perks of using a Target RedCard. The 5% discount on every Target purchase can really add up over time. But what if you need to make a quick stop at Walmart? Can you use your RedCard to get a discount there too? The short answer is no. … Read more

is the navient lawsuit real

In September 2024, the Consumer Financial Protection Bureau (CFPB) settled with Navient, a once-major U. S. student loan servicer. Navient is banned from servicing federal Direct Loans and must pay $120 million in penalties and relief for affected borrowers. For years, Navient made serious errors that caused borrowers to accumulate thousands of dollars in additional … Read more

What is a Mortgage Credit Intermediary?

If you are thinking of buying a house or getting credit to achieve another personal goal like buying a car or a trip, you have certainly come across the term “credit intermediaries”. But what are credit intermediaries? What do they do?. A mortgage credit intermediary is a person or company that provides intermediation services between … Read more

How Long Should I Keep My Credit Frozen?

A credit freeze restricts access to your credit report. If you suspect your personal information or identity was stolen, placing a credit freeze can help protect you from fraud. A good way to protect yourself from identity theft and fraud is to have your credit frozen. However, it stops you from getting loans, credit cards, … Read more

How Can I Afford a $5 Million Dollar House?

Owning a five-million-dollar home is a dream for many people. Even in the most expensive cities in the US, it’s a major accomplishment. But you also have to be confident that you can afford it. However, even if you make enough to get a loan, you still need to think about other costs. For most … Read more

What is the 15/3 Rule for Credit Cards?

The supposedly secret trick does not build your credit scores, despite what you may have heard. But there are some concrete steps you can take. Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not … Read more