How do I find my credit score?

By Alex Nerguizian
White woman with a short bob haircut and wearing a graphic white t-shirt sits in a meadow with her laptop in her lap and holding her credit card

How do I find out my credit score? Who wants to know it, and what factors influence its change? Submitted by anonymous. A credit score is a representation of how someone managed their debts. It is meant to help creditors understand our financial responsibility. Payments on our loans and balances on our credit cards are…

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Do you recommend credit consolidation?

By Saundra Davis
A woman's hand gives a thumbs up opposite of a man's hand giving a thumbs down on a teal background

Do you recommend credit consolidation to improve scores and decrease debt? Submitted by Natasha P. There are two parts to this question, so let’s dig into them separately. Improving Your Credit Score Whenever a financial institution pulls your credit with the purpose of offering you a loan, your score may be affected. Closing a credit…

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How to Get the Best Rate on a Loan

By Saundra Davis
Artsy neon percentage sign

If you need money for the short or long term, it’s important to remember that not all loans are created equal – and the price you pay for that money (in fees and interest) may vary dramatically. What do you need? Before shopping around for loans, you should know how much money you’re looking to…

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What Is APR?

By Saundra Davis

Your Annual Percentage Rate (APR) is the interest you will pay over the course of a year. This doesn’t tell you how much you will actually pay if your interest is compounded in shorter increments. Our loans are usually compounded monthly, or for most credit cards, daily! YIKES! If you really want to know how…

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