Buy Now and Pay Later

Buy Now and Pay Later

Buy Now, Pay Later (BNPL) is a popular short-term financing option that has come to fruition over the last couple of years. Buy Now and Pay Later allows consumers to buy items now and pay for them at a later date. Often interest-free as long as certain arrangements...
How I Helped My Daughter Build a Credit Score

How I Helped My Daughter Build a Credit Score

“Mom, I need a credit check,” my daughter Gabriella told me a few weeks ago. Gabriella, a college student, is subletting an apartment for the summer. Her landlord required a credit history check. It seemed to me a good time to share How I Helped My Daughter Build a...

Your Many Credit Scores

Did you know you have many credit scores? When you obtain your credit score, you are getting a generic score. Your lender, however, will most likely receive a different number specific to its industry. At the heart of the consumer credit reporting industry are the...
How Your Credit Score is Used

How Your Credit Score is Used

Most of us need access to credit. Loans provide the means to buy a house, purchase reliable transportation, and pay for higher education. When you apply for credit, lenders use your credit score to determine the potential risk in lending to you: they want their money...