How Long Do Tradelines Stay On Your Credit
Blog
Amanda Garland

How Long Do Tradelines Stay On Your Credit?

Tradelines can stay on your credit reports for up to 10 years after you close the account.  However, suppose you have any negative remarks on the account, like late payments. In that case, the negative information falls off of your credit report seven years from the initial delinquency date. A tradeline consists of any account

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Good Debt vs Bad Debt
Blog
Garit Boothe

Good Debt vs. Bad Debt: Know The Difference

This article is part of our series about financial literacy. You can find the links to the other articles at the bottom of the article. As discussed in our article, Dave Ramsey vs. Robert Kiyosaki, not all debt is bad. Debt plays a vital role in the economy. And on a personal level, if you

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Free Business Credit Score
Blog
Dylan Buckley

How to Get Free Business Credit Scores 

Your business credit score helps entities like loan issuers determine your trustworthiness in paying back debt. Much like a personal credit score, a business credit score can have significant implications for your business’s future. But how do you monitor this score over time? Whether you need financing or simply want to stay on top of

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Does Rent Affect Your Credit Score
Blog
Amanda Garland

Does Rent Affect Credit Score?

When you fill out a rental application for a new apartment or home, the landlord often runs a credit check. So you might expect that your rental payments are shown on your credit report, but they are not.  When you are building credit, there are rent payment reporting options out there that can add your

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Does Paying Off Collections Improve Your Credit Score
Blog
Amanda Garland

Does Paying Off Collections Improve Credit Score?

Having collection accounts appear on your credit history is not good for your credit score. The repeated calls from debt collectors are not good for you mentally either.  Paying the debt off will end the collection agencies’ incessant calls, but will it improve your credit score at all?  Paying off collection accounts can be a

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Does a Debit Card Build Credit
Product Reviews
Amanda Garland

Does a Debit Card Build Credit?

Do you pay for everything with cash or a debit card? If so, this is probably great for keeping your budget on track. Unfortunately, it also means you are not building credit history.  If you are only ever using cash or a debit card for purchases, then you likely have bad credit or no credit.

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Does a Cell Phone Bill Build Credit
Blog
Sydney Englund

Does a Cell Phone Bill Build Credit?

Not usually. That’s because cell phone bills are not typically reported to credit reporting agencies.  However, there are services that can help you build credit through cell phone payments and other bills you pay, as well as other options you can consider for building credit.    Does Paying a Cell Phone Bill on Time Help Me

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Do Credit Repair Companies Work
Blog
Amanda Garland

Do Credit Repair Companies Work?

If your credit score is being dragged down by collections, late payments, and other negative information, you might consider hiring a credit repair service to fix it. But can they actually improve your bad credit? Yes, credit repair companies can help you fix the issues with your credit history. But will it be worth the

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