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Credit Score

7 Best Ways to Consolidate Debt Without Hurting Your Credit

September 27, 2023 by Annie Z
Vacuum cleaner and a stack of cash

You can consolidate debt using various methods, such as taking out a personal loan, applying for a debt management program, doing a balance transfer, and more.

Categories Loans, Credit Score

The Credit Inquiry Removal Process Explained in 4 Steps

September 15, 2023November 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…

August 18, 2023October 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?

August 11, 2023October 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

February 21, 2023August 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 Excellent

August 3, 2023August 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 you are a responsible borrower and tend to lead to better loan terms and greater access to financial products. …

Read more

Categories Credit Score

How to Clean Your Credit Reports in 6 Simple Steps

July 29, 2023August 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 Your Credit Score? Yes, To An Extent

July 27, 2023August 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? (2023 Guide)

July 26, 2023July 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? | What Might Happen

July 14, 2023July 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
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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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  • Your Weekly Financial Roundup Issue No. 65
  • Your Weekly Financial Roundup Issue No. 64

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  • Investments
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    • Credit Scores
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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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