Browsing: credit

Many people wonder whether they need good credit to qualify for a debt consolidation loan. The reality is more nuanced. Stronger credit may open the door…

Allowing lenders to base mortgage decisions on single- or double-pull credit reporting would result in more risk to banks, and higher costs for borrowers, writes Dan…

Debt can feel overwhelming, especially when you’re juggling multiple payments with high interest rates. For some people, a debt consolidation loan may seem like a way…

Key insight: Gen Z’s deposit shifts and nontraditional payments undermine traditional credit pathways.What’s at stake: Banks risk lost deposits and future lending revenue if they ignore…

Key insight: Identity theft victims who file extended fraud alerts often experience significant and persistent improvements in their credit profiles, becoming more creditworthy.What’s at stake: U.S.…

If you’re carrying a balance on your credit card, you certainly aren’t the only one. In fact, 46% of credit card users carried a balance for…

Key insights: CardWorks subsidiary Merrick Bank relaunched the Ollo Credit Card, a portfolio it acquired from Ally Financial at the beginning of 2025. What’s at stake: The…

If you love getting a deal, you may already be familiar with Rakuten, a cash-back website and app where eligible purchases can net you a periodic…

If you’re trying to get your financial ducks in a row, you might have heard of “secured debt” and “unsecured debt.” It’s important to understand what…

Your credit score plays an important role in your financial life. Lenders, landlords, and even some employers may review it as part of their decision-making process.…