Youâre getting married. Itâs romantic. Itâs exciting. Itâs sometimes overwhelming. With so much to plan and do, you might not have thought about how marriage affects your finances. For example, what happens to your credit? While getting married doesnât directly affect your credit scores, it can have financial implications that do. Knowing whatâs in your … Read more
In the U.S., two companies dominate the credit scoring industry. FICO® is the industry leader, but VantageScore® has been gaining market share since the three major credit reporting agencies created it in 2006. Both companies develop credit scores that lenders and creditors can use to evaluate applicants and manage customers accounts. However, VantageScore and the … Read more
If you’ve got a 666 credit score, you’re on the higher end of what’s considered fair credit. It’s a solid jumping-off point, although there’s still plenty of room to improve your credit profile. Remember, the higher your score, the more creditworthy you appear to lenders — which can mean lower interest rates, as well as … Read more
The amount of debt you can consider “reasonable” will vary widely depending on a number of factors about your financial situation and the type of debt you have. Youll need to consider how you are using the debt and how you are able to pay it off, as well as the debts impact on your … Read more
“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Bankrate is always editorially independent. While we adhere to strict , this post may contain references to … Read more
The “black card” is an ultra-exclusive credit card that has become a coveted status symbol in popular culture. But what exactly is a black card, and who issues these elusive cards? Let’s take a closer look. What is a Black Card? A black card refers to an exclusive credit card that is typically only available … Read more
Your early 20s are an exciting time filled with new responsibilities and opportunities. While you may feel overwhelmed or unsure about managing your finances, the actions you take today can set the stage for your entire financial future. Here are 9 smart ways to start building wealth in your early 20s: 1. Create a Budget … Read more
“Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Bankrate is always editorially independent. While we adhere to strict , this post may contain references to … Read more
Your car loan term is the length of time you have to repay the loan. The average car loan term is close to six years, but a wide range of terms are available. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain … Read more
Do you have a bankruptcy on your record? If so, it can feel like you’ll never be able to return to financial normalcy. However, the truth is that bankruptcy isn’t a permanent black mark on your credit report. It’s even possible to buy a home after bankruptcy if you know which steps to take. In … Read more