What is a Good Credit Score?
What is a Good Credit Score? Credit for Beginners by David B. Coulter Share Share Email A good credit score is a credit score of 700 or higher. Your credit score is one of the most crucial elements affecting your economic potential. Whether you’re just starting your financial journey, looking to apply for a loan, […]
Fed’s Rate Cut: What it Means for Your Wallet
Fed’s Rate Cut: What it Means for Your Wallet Personal Finance by Staff Writer Share Share Email When it comes to your wallet, you don’t want to wait around to find out what happens… The Federal Reserve recently announced its first interest rate cut since 2020, lowering the benchmark rate by half a percentage point. […]
What is Your Identity Worth?
What is Your Identity Worth? Bankruptcy by David B. Coulter Share Share Email You. Taking charge of your financial life begins with knowing your net worth. Of course, the higher that value, the better off you are. The straight forward way of calculating your net worth is the sum of your assets minus the total […]
What to Do If You Are a Victim of Identity Theft
What to Do If You Are a Victim of Identity Theft Credit Monitoring by David B. Coulter Share Share Email Fraud and identity theft are at an all-time high, thanks to the pandemic. Fraud linked to the COVID pandemic has cost Americans $382 million, according to the Federal Trade Commission. As of March 2021, more […]
What is Identity Theft Insurance?
What is Identity Theft Insurance? Credit Monitoring by Maria Shahid Share Share Email It’s evident that many people are going through financial hardships as cases continue to rise during these unprecedented times. Due to the rising cases, many aspects of our daily lives continue to be online whether it’s working, having a meeting or ordering […]
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach Credit Monitoring by David B. Coulter Share Share Email Hopefully, you’ll never have to ask what to do if your info is exposed in a data breach, but in today’s digital age, data breaches have become all too common. Cyberattacks […]
What Is An Auto Credit Score?
What Is An Auto Credit Score? Auto Loans by David B. Coulter Share Share Email Most people don’t know their credit score has no impact on qualifying for a car loan. Instead, it’s what’s known as an Auto Industry Option Score, which we call an Auto Score on SmartCredit.com. The Auto Score is usually calculated […]
Revolving, Installment and Open Accounts: What to Know About the Three Types of Credit
Revolving, Installment and Open Accounts: What to Know About the Three Types of Credit Credit Monitoring by David B. Coulter Share Share Email Not all credit is created equal. The credit bureaus, along with each of their scoring models, all take into consideration the types of credit accounts in a portfolio. While credit mix only […]
What Happens to My Credit If I Get Divorced?
What Happens to My Credit If I Get Divorced? Credit Report by John Ulzheimer Share Share Email About 50% of you who are reading this right now will get or have gotten divorced. That’s how the numbers play out. That’s the bad news. The good news is this…
The What, Why and How of Teaching Children About Credit Reports
The What, Why and How of Teaching Children About Credit Reports Credit for Beginners by David B. Coulter Share Share Email A popular viral Facebook post asks parents if schools should teach kids financial literacy. It’s a good question. The fact is that few schools teach kids basic facts about credit — simple things like […]