A credit builder loan holds borrowed money in a savings account while you make payments, building a payment history with the credit bureaus. Learn how it works, the costs, the risks, and alternatives.
How debt settlement works, what debt settlement companies may legally charge, how settlement affects your credit and taxes, the risks of stopping payments, how to negotiate on your own, and alternatives such as debt management plans and bankruptcy.
How a secured credit card works, how the deposit and credit limit relate, what to look for in fees and reporting, how to use one to build a credit history, and when you can graduate to an unsecured card.
Credit utilization is one of the biggest factors in your credit score. Learn how it is calculated, when balances are reported, and practical ways to keep the ratio low.