Credit Score Explained
A clear, practical guide to what credit scores are, how they're calculated, where to get your reports, and how to learn more - without the jargon.
Adverse Credit
Adverse credit is negative information on your credit report that lowers your credit score and can lead to loan denials or higher interest rates. Common causes include late payments, collections, public records, bankruptcy, and identity theft. You can check reports, dispute errors, and take steps to rebuild credit.
Cheap Paper Shredder
Shredding sensitive mail and documents remains a simple, effective defense against identity theft. Use a cross-cut or micro-cut shredder, reduce incoming offers, and secure your mailbox.
Secured Credit Card
Secured credit cards require a refundable deposit as collateral. They can help build credit, but fees, APRs, reporting, and graduation policies vary - ask specific questions before you apply.
Beacon Score
A practical update on FICO (sometimes called Beacon in older materials): what it measures, how scores are calculated, and how to check and correct your credit report.
Subprime Leads
Subprime leads are targeted marketing lists used by lenders and auto dealers to reach higher-risk borrowers. Modern providers offer customizable filters and modeled credit indicators, but compliance (FCRA, TCPA, GLBA) and data quality checks are essential.
Commercial Credit Counseling
Small businesses facing cash-flow or credit problems can regain stability with commercial credit counseling. Learn where to find qualified counselors, what to expect, and how to vet providers.