Credit History

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 […]

Having no credit can be just as limiting as having poor credit. Without a recorded borrowing history, lenders can’t assess your reliability, making it tough to qualify for credit cards, car loans, or even a mortgage. A “credit invisible” status affects millions of people and can stall your financial progress. Fortunately, there are reliable ways […]