Personal Finance Blog

Catch up on the latest credit.org news and personal finance trends.

Find your financial freedom and partner with our experts by reading the latest in personal finance advice and tips!


What Is A Credit Score Jump?

Credit scores change over time; this is usually a very gradual process. Sometimes, a credit score will drop quickly, or even jump up by an unexpected amount. It’s easy to figure out what might drop one’s credit score quickly—bankruptcy, foreclosure, a charged-off account, etc. But sometimes one’s credit score will jump up without any obvious…

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How often have you checked your mail or answered your phone only to find another prescreened credit card offer? Blank envelopes and phone calls from unnamed phone numbers may seem like official notifications. More often than not, answering these notices leads you to find yet another offer claiming that you have been prescreened for a…

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Budgeting Classes

For 40 years, we’ve been presenting financial literacy education to our clients and to the community free of charge. Our budgeting classes and other personal finance education offerings are available everywhere via the internet. We regularly add new courses and revise old ones on our online FIT Academy (Financial Instructional Training). These courses are available…

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Good Credit Score Range

We’ve talked about credit scoring a lot, and even created an infographic to break down “What is a good credit score?”. In that article, we identify 680 as the threshold for “good” credit, meaning a good credit score range is 680-850. As we discussed in a recent article on credit score levels, The ranges vary…

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Credit Score Levels

We’ve written here often about credit scores and what various credit score levels say about you. Our infographic “What is a good credit score?” gives a breakdown of scores from 300 to 850, with this rough set of guidelines: 300-550: Poor credit 550-620: Subprime 620-680: Acceptable 680-740: Good credit 740-850: Excellent When we originally created…

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If you’ve got a credit card in your wallet right now, chances are there is a message on the back right under the signature field that says “not valid unless signed.” The major credit card companies, Visa and MasterCard, require an authorized signature before the card may be processed. Of course, not all of us…

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What is a Good Credit Score?

It’s difficult to get exact answers to this important question. Every expert, credit bureau, and loan officer has a different opinion as to where the threshold between good and poor credit lies.

In addition, “good” can be a relative term. Do we mean “good” as in excellent, or “good” as in “good enough”?

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When it comes to personal finance, everyone’s situation is unique. No one has the same bills, rent, debts, or lifestyle. When you’re ready to take control of your financial lifestyle, you need a plan that will answer your specific problems, not your neighbor’s. At credit.org, our trained coaches are ready to review your unique situation…

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What is a financial plan?

We help people set goals and budget toward them. Because we were founded as a credit counseling agency, the number one goal we help people achieve is debt reduction. But we also encourage sound money management and financial planning. What is a financial plan, you ask? When you hear about financial planning in the media,…

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We hear a lot about consumer credit in the news: “Consumer Credit is Up,” “Consumer Credit is Flat,” and so on.  But what is consumer credit? Should you care? In general terms, consumer credit is debt that is taken on by individuals who intend to spend the funds right away. If you borrow money to…

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