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Credit Score

The Credit Inquiry Removal Process Explained in 4 Steps

November 15, 2022 by Annie Z
laptop, cards and a cup of coffee

In certain circumstances, you may be able to remove a credit inquiry from your credit reports. We’ll break down the process into 4 simple steps.

Categories Credit Score

Does Unemployment Affect Your Credit Score? It Depends…

December 7, 2022October 22, 2022 by Annie Z
laptop, coffee, notebook, magnifying glass and pens on the table

Filing for unemployment has no direct impact on your credit. However, there are ways unemployment can indirectly affect your credit score.

Categories Credit Score

My Credit Score Dropped For No Reason – What Happens Now?

October 14, 2022 by Annie Z
a credit card on the desk

There are many reasons why your credit score may suddenly drop, including a high credit utilization ratio, mistakes on a credit report, etc.

Categories Credit Score

How Does Credit Repair Work? — 2 Ways to Save It

December 15, 2022August 22, 2022 by Brijen Patel
How Does Credit Repair Work

Credit repair is about fixing your credit health — improving it from poor to great. You can work with a credit repair company or DIY — learn more below!

Categories Credit Score

What is a Fair Credit Score? – 6 Ways to Make Your Credit Great

August 18, 2022August 15, 2022 by Annie Z
crsdit score assessment under the magnifying glass

Lenders use your credit score to assess your riskiness as a borrower. Higher credit scores indicate that you are a responsible borrower and tend to lead to better terms on loans, as well as more …

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Categories Credit Score

How to Clean Your Credit Reports in 6 Simple Steps

August 18, 2022August 8, 2022 by Annie Z
a woman behind the laptop writing down the notes

Learning how to clean your credit reports can help boost your credit score and ensure that you get the best terms and conditions when applying for loans.

Categories Credit Score

Do Student Loans Affect Credit Score? Yes, To An Extent

December 7, 2022August 8, 2022 by Annie Z
a female student holding a book over her face

Similar to other loans, such as auto loans or credit cards, student loans can affect your credit score.

Categories Credit Score, Loans

Can You Lease a Car with Bad Credit?

July 28, 2022 by Annie Z
a whie car with mountains in the background

While it is possible to lease a car with bad credit, you may end up with less favorable lease terms, including higher interest rates.

Categories Credit Score

Does Refinancing Hurt Your Credit?

October 13, 2022July 11, 2022 by Annie Z
paper, pen, calculator and potted plant

Depending on your card issuer, if you stop paying your credit card bills, you can face serious consequences ranging from late fees to a potential lawsuit.

Categories Credit Score, Loans

5 Big Disadvantages of Increasing Credit Limit

October 28, 2022May 18, 2022 by Brijen Patel
closeup of cards and tablet on the table

There are benefits to a credit limit increase, whether you request it or it’s automatic. But there are also cons that affect your spending habits and your credit report.

Categories Credit Cards, Credit Score Tags amount owed, balance owed, credit cards, credit limit, credit limit increase, credit score, payment history
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About Us

We are Finance Futurists, a finance blog made to provide educational insight for Gen Zers and Millennials looking to improve their personal finance knowledge.

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  • Investments
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  • Money Management
    • Side Hustles
    • Financial Planning
    • Budgeting
    • Savings
  • Newsletter
  • About

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We're the Finance Futurists, personal finance educators empowering Millennials and Gen Zers to invest in their future selves by learning how to make their money work for them.

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