Credit and Loans

Here's information you need to know about loans, credit reports, credit scores, credit history and credit cards.

Think you've got the scoop on credit and loans?

Take our quiz to test your knowledge and then cash in on the following articles to increase your C&L skills – free of charge.

Quiz me

Using Credit Cards
Understanding Credit
Applying for Loans

Man calculating his bills while his family are on the sofa

Managing an account in collections

December 30, 2019

If your account is in collections, use these tips to help reduce the impact on your credit future.

Understanding Credit

Article

woman looking at credit card making notes on paper with laptop nearby

Should I use a credit repair company?

October 28, 2019

A credit repair company could help work with your creditors to improve your credit score. Consider if the extra expense is worth it.

Understanding Credit

Article

Choose your first credit card wisely

September 5, 2019

Rates, terms and features — weigh all the factors carefully when choosing your first credit card.

Using Credit Cards

Article

Avoid these 5 credit card mistakes

September 4, 2019

Credit cards can help build and maintain credit; but watch out for potential pitfalls.

Using Credit Cards

Article

What you need to know about your credit score

August 9, 2019

View this infographic to see how your score is calculated.

Understanding Credit

Infographic

What will it cost you to lend money?

April 22, 2019

Before you hand over cash to a friend or family member, ask yourself these two simple questions.

Understanding Credit

Article

Man and woman discussing paperwork with financial advisor

4 keys to personal loan applications

March 19, 2019

Before you apply for a personal loan, get familiar with the process to ensure it’s your best option.

Applying for Loans

Article

Illustrative credit report that says credit freeze.

Is a credit freeze right for you?

November 19, 2018

Identity theft is a growing concern. A credit freeze may offer proactive protection against it.

Understanding Credit

Article

Understanding your credit report

May 21, 2018

Don't be in the dark about what your credit report says about your financial stability. Here's what you need to know.

Understanding Credit

Article

Tips for choosing a retail card or credit card

March 23, 2018

Not sure which type of card is right for you? From rates to rewards, get the facts.

Using Credit Cards

Article

Credit score graph placed over image of laptop.

How your credit score is calculated

February 12, 2018

Discover the five most important things that make up a credit score, and how you can improve yours.

Understanding Credit

Article

Stay on top of your finances even on the go

January 3, 2018

Your smartphone gives you 24/7 access to the digital tools you need to manage your finances.

Using Credit Cards

Article

Financial Advisor Talking To Senior Couple At Home

Rewards and risks of cosigning

August 25, 2017

If you’re thinking about helping someone get a loan, get all the facts before you sign on the line.

Applying for Loans

Article

Check your credit report

March 7, 2017

Getting a job, a loan or a place to live could all depend on your credit score. Know what’s on your credit report.

Understanding Credit

Video

How to avoid unwanted credit card charges

September 13, 2016

Forgotten purchases that show up on your credit card statement cost you a bundle. Track your transactions.

Using Credit Cards

Article

Young couple sitting on the sofa going through paperwork

Know the 5 Cs of credit before applying for a loan

April 5, 2016

Lenders use the five Cs to determine how likely you are to repay a loan. Know them before you apply.

Applying for Loans

Article

Cut your credit card debt with small changes

October 6, 2015

Take a minute to review your debt … then make these smart moves to cut it.

Understanding Credit

Article

Let's do the math

Loan Payment
Increase Your Monthly Payment

Think you've got the scoop on credit and loans?

Let's do the math

Useful Links