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Credit Smarts

6 Factors That Could Hurt Your Credit Score

It's no secret that maintaining a good credit score is essential to strong financial health. It is a must if you ever wish to take out a substantial loan or need to apply for rental properties. Most people know the basics of what may hurt and what may help your credit score. For example, paying your bills on time will...

Pros and Cons of Freezing Your Credit

There are many reasons someone might want to freeze their credit or lock their credit report down. These might include being the victim of a stolen identity or being worried about a data breach. Both of these situations are stressful and can be overwhelming. If you’re worried that your data has been breached or...

Improving Your Credit Score

Maintaining a good credit score may mean the difference between being able to borrow money for important purchases and not being able to borrow money at all.

5 Good Reasons to Manage Your Credit Wisely

Building a good credit history is huge for your credit health, but you need to know why maintaining good credit overtime is so important. A good credit history will definitely help you get more credit. But did you know that it can affect your everyday life too—even in the near future?