Recent Articles

How often should you check your credit report?

By John Schmoll | Updated on October 7, 2024

Your financial health should be prioritized in a similar manner that you prioritize your physical and mental well-being. Similar to regular...

By John Schmoll | Updated on October 3, 2024

Mourning the passing of a loved one is draining. Processing the loss takes time, but it's not wise to delay managing...

By Erica Lamberg | Updated on May 6, 2025

There are a few things to consider when deciding whether to close a credit card account. You may first wonder if...

By Curtis Arnold | Updated on October 1, 2024

I've been a huge fan of credit card reward programs for the past 25 years (and have earned thousands of dollars...

By John Schmoll | Updated on May 27, 2025

Being perfect has a nice ring to it, especially when it comes to personal finance. A perfect credit score of 850...

By Curtis Arnold | Updated on September 19, 2024

A common question I've heard during my 25+ years in the consumer credit industry from consumers trying to repair or...

By Erica Lamberg | Updated on December 4, 2025

With summer winding down, the holiday season will be here before you know it. As you begin to prioritize your game...

By John Schmoll | Updated on September 17, 2024

Wise use of credit can have a powerful impact on your finances. It helps you stay within your means and enables...

By Richard Barrington | Updated on September 16, 2024

Most Americans have close relationships with their credit cards. They carry them everywhere and depend on them almost daily.

By Holly Johnson | Updated on September 12, 2024

Getting a credit card for teens may seem controversial, but this step is actually quite common. Not only do credit cards...

By John Schmoll | Updated on September 11, 2024

Applying for a new credit card is relatively straightforward. You provide the requested information and wait a few minutes to receive...

By Erica Lamberg | Updated on September 10, 2024

It can be surprising to realize that your credit limit has suddenly been cut. A dip in available credit may or...

By Richard Barrington | Updated on September 9, 2024

People often find that making ends meet is just a matter of timing. Especially for people who get paid every two...

By Adam Frankel | Updated on September 6, 2024

There’s no rule prohibiting the use of a personal card for business expenses, and many small business owners may choose to...

By Curtis Arnold | Updated on September 16, 2024

I have been an expert in the consumer credit industry for over 25 years and one of the most common questions...