Credit

As a consumer, you have likely felt the impact of inflation on your wallet, but have you considered how inflation can affect your credit? Costs of various products have gone up, along with interest rates. According to the Consumer Financial Protection Bureau, Consumer Price Index (CPI) for used...

When I first started using credit, it was exciting and intriguing to learn how I could build and improve my credit over time. At that time, I never thought about how my personal characteristics (e.g., age, accent/nationality, race, gender, etc.) could be used against me. I became interested in fair...

When I got my first credit card many years ago, I thought I was ready for all the responsibilities that came with managing this type of credit. Even though I did my due diligence to research the card company and believed I could afford to make my monthly payments, there were a lot of things I didn’...

I had a few conversations with a friend who decided to add a loved one to his credit card as an authorized user. Over the years, we had many discussions about some of the challenges he faced building his credit history as an immigrant with a thin credit file. He had been a joint account holder in...