Skip to Content Skip to Navigation

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 Limit?

A credit limit is the maximum amount of money a lender offers to a borrower. Whether it’s in the form of a credit card, home equity line of credit, or other kind of revolving credit account, there is a maximum amount of money available to the borrower, and that amount is his/her credit limit. The…

Read More

read more

Homeownership is a worthy goal for everyone, but it’s a big process to undertake. If you’ve never owned a home or have been away from homeownership for a while, it can be challenging to know where to begin.  These tips will help you get started: Get your finances in order. This step will be different…

Read More

read more

To generate your first credit score, your credit report will have to have at least one account on which you make monthly payments. The time it takes for your first score to show up will vary based on the credit score model.  For example, the VantageScore model will create your first score in one or…

Read More

read more

6 Fun Ways to Save As a Family

Meeting financial goals as a family can be challenging. But inspiring your family to help and contribute to a financial goal doesn’t have to be a painful process, especially when the result is an exciting family vacation, a new family car, or college savings. In the spirit of America Saves Week, I’ll share some ideas…

Read More

read more

There are three major credit reporting bureaus in the United States: TransUnion™, Equifax™, and Experian™. Each one has its own unique mathematical method of calculating a credit score for the consumer. And each bureau may have slightly different information on how they calculate credit scores that can seem confusing. So, why are the scores different…

Read More

read more

This one number makes all the difference to identity thieves… your social security number. When you apply for a job, the application asks for your social security number. When you apply for a bank account, they want your social security number. When you file a tax return, apply for a loan, get medical treatment, apply…

Read More

read more

Last week, Washington Post reported that Marriott International disclosed a massive data breach in which hackers had access to the reservation systems of many of its hotel chains for the past four years, a breach that exposed the private details of up to 500 million people. This data breach – one of the largest in…

Read More

read more

The use of credit scores goes back to the 1950’s, but it became prevalent during the 1980’s as a way for lenders to quickly and easily evaluate a potential borrower’s creditworthiness. Today credit scoring is used by lenders, insurers, landlords, employers, utility companies, and even judges, to evaluate your credit behavior. There are many types…

Read More

read more
Close

Get The Financial

Advice That Is Right For You


Build Your Credit.
Get Out of Debt.
Own A Home.

One of our Financial Coaches will contact you to discuss the path to reaching your financial goals.

Speak to a Coach Now 800.431.8157
Hours of Operation Monday through Friday 7am to 7pm (Pacific)