Opening a new bank account likely won’t affect your credit. Banks use ChexSystems to screen your banking history, which doesn’t impact your credit score. Read more.

Covington Credit is a financial services provider whose business includes offering loans to people who don’t typically qualify for most types of credit. Read more.

Getting rejected from a secured credit card can be confusing. We'll explain what to do if you were denied a secured credit card and the reasons why it happened. Read more.

Phone bills are typically not reported to the major credit bureaus since they are not considered credit accounts. We'll explain how they can affect you. Read more.

As of 2018, tax liens are no longer reported to the credit bureaus. However, they are part of public record. Read more.

Your current and available balances may not always match. Learn why they differ and how understanding them can prevent overdrafts. Read more.

We’ll explain multiple loan options if you need extra cash, but have bad credit. Predatory loans are not your only choice. Read more.

A credit reference is a document that a lender requests from an individual who is applying for a form of credit to evaluate that individual’s credit worthiness. Read more.