From money-saving tips to cyber security, our blog covers a wide range of topics to help improve your financial well-being.
Kids stay safest when they trick-or-treat with a trusted adult or group, use crosswalks, and carry a light or wear reflective gear. Adults can avoid Halloween scams by pausing before clicking links and never sharing passwords, PINs, or card numbers.
Authorized User: Does It Build Credit? Being added to someone else’s credit card can help your credit, because many issuers report that account’s history to your file too. The risk runs both ways — their late payments and high balances land on your report as well.
What is a goodwill letter? A goodwill letter asks a creditor to remove an accurate late payment as a one-time courtesy. It works best when the late payment was isolated and your account is current now.
No company can legally remove accurate negative information from your credit report — not for a fee, not ever. Anything you can pay a company to do about genuine errors, you can do yourself for free.
The CFPB's 2025 rule banning medical debt from credit reports was struck down in court, so no federal law removes it. Credit bureaus still voluntarily exclude paid medical debt, balances under $500, and debt less than 12 months old.
A personal loan can be a smart way to consolidate debt if it lowers your total cost, including fees, and you stop adding new charges to the cards you pay off.
What happens to joint accounts in a divorce? Both spouses remain responsible until the account is closed, paid off, or refinanced. Learn how to protect your credit.
How do scammers exploit psychology to trick victims? Scammers manipulate cognitive biases and emotions to bypass rational thinking and gain trust.
What are "boomerang kids"? Adult children who return to live with their parents after a period of independence.
What should you do if you're behind on your mortgage? Act quickly, contact your lender, and seek help.
What is a Certificate of Deposit? A certificate of deposit is a savings account with a deadline. Learn how certificates work.