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What Credit Bureau Does American Express Pull When You Apply?

Banks don’t disclose internal methodologies for determining creditworthiness and American Express is no different. The most reliable way we’ve found to ascertain which credit bureau a bank or financial institution uses to pull reports is by asking those who’ve applied for cards from a bank which of their credit reports showed a hard inquiry following … Read more

What Is the Minimum Credit Score for a Home Equity Loan?

Unlocking the potential of your homes equity can be a game changer for achieving your financial goals. However, there are requirements for home equity loans and HELOCs. Knowing where you stand in terms of your credit is important, among other factors. Whether you want to renovate your home or pay for your education expenses, knowing … Read more

What is the 28/36 Mortgage Rule? A Complete Guide

The 28/36 rule is an important guideline that potential homebuyers should understand when applying for a mortgage loan. This rule of thumb helps determine how much house you can comfortably afford based on your income, debts, and lifestyle. What Does 28/36 Mean? The 28/36 rule recommends that your total monthly housing costs should not exceed … Read more