Credit

Understanding credit utilization is crucial for anyone looking to maintain or improve their credit score. This often-overlooked aspect of credit management can significantly impact your financial health, affecting everything from loan approvals to interest rates. While many people are aware of their credit score, fewer understand how credit utilization plays into it. Take time to […]

Although most adults have a credit report and score, few check them regularly — and many aren’t sure what their reports actually say about their financial habits or future. Some people mistakenly believe that every late payment or old debt stays on a report forever. Fortunately, that’s not true. Most negative items expire after a […]