What Is a Credit Privacy Number (CPN) and Is It Legal Header - 01

What Is a Credit Privacy Number (CPN) and Is It Legal?

January 13, 2022
Getting a credit privacy number, or CPN, may seem like the only option, but it’s often a scam. Explore other alternatives to rebuild credit. Read more.

Establishing Credit

What is Available Credit and How Does It Differ From Credit Limit Asset 1What is Available Credit and How Does It Differ From Credit Limit?
January 12, 2022
Available credit is the total amount of money you can borrow on your credit card. It's based on the difference between your current balance and your credit limit. Read more.
What Is the Difference Between a Charge Card and a Credit Card asset 2What Is the Difference Between a Charge Card and a Credit Card?
January 7, 2022
While a charge card does not have a spending limit, and does not incur interest charges, like credit cards do, you must pay the full balance each month. Read more.
Statement Balance vs. Current Balance Header - 01Statement Balance vs. Current Balance: What’s the Difference?
January 7, 2022
Your statement balance reflects your purchases and payments from the last billing cycle, while your current balance is the amount you owe at any given moment. Read more.
The 3 Main Types of Credit Explained Asset 2The 3 Main Types of Credit Explained
October 8, 2021
In order to improve or maintain your credit score, you should be familiar with the three main kinds of credit: installment, revolving, and open. This information will help you decide how better to use the types of credit. Read more.
Does Paying Rent Build CreditDoes Paying Rent Build Credit?
October 4, 2021
Paying rent on time each month is important, but does paying rent build credit? Follow along for everything you need to know about rent payments and credit. Read more.
What are the 5 Cs of Credit?What Are the 5 C’s of Credit
July 29, 2021
Many lenders will consider character, capacity, character, collateral, and conditions when you apply for financing. Read on to learn more about these 5 C’s of credit and why they matter. Read more.
An illustration of a woman holding her hands out with a credit score range in one hand and in the other hand is an empty circle.Is It Better To Have No Credit Than Bad Credit?
May 15, 2021
With what you've heard about the challenges of having bad credit, you might think it's better to have no credit score at all. That might be oversimplifying things. Read this article to compare each situation. Read more.
Woman getting the keys to her new car. What’s a Good Credit Score to Buy a Car?
April 16, 2021
Here's what you need to know about your credit score and getting a car loan. Read more.