If you’re a millennial, chances are you think estate planning is something for your parents or grandparents. After all, you’re still building your career, paying off...
Growing older doesn’t mean financial stress has to grow with you. In fact, your later years should be about peace of mind, not worrying about credit...
Most people think they have a credit score. One number that decides if you get approved or denied. But that’s not the truth. In reality, you...
You walk into a dealership confident. Credit Karma says 720. The salesman smiles, runs your credit, and suddenly you’re at 660. What gives? The answer lies...
Why Mortgages Are Different Most mortgage lenders still use old FICO models (2, 4, and 5), not the shiny new versions. Why? Because Fannie Mae and...
Credit card companies care about one thing above all: how you handle revolving debt. That’s why the Bankcard model weighs factors like utilization (your balances vs....
Millions of Americans are what lenders call “credit invisible.” They don’t have enough history to generate a traditional FICO score, yet they pay rent, utilities, phone...
Credit scores in the U.S. are slipping, and fast. The average FICO® Score has dropped to 715 in 2025, down from its pandemic-era highs. For some...
Bottom line: The deceased person’s accounts don’t just vanish—they’re typically settled by the estate. Reports will eventually reflect a “deceased” indicator, and you’ll coordinate closures with...
Credit bureaus allow a spouse or court-appointed personal representative/executor to request the decedent’s credit report by mail with proof (death certificate + proof of authority +...