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Everything You Need to Know About Credit

Practical tips, guides, and expert insight to help you make smarter money decisions — written by the CreditNinja team.

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Can you cancel a credit card application

Key Takeaways You may ask, “Can I cancel a credit card I just applied for?” The truth is that cancellation…

What does closed account mean on credit report

Key Takeaways A closed account on a credit report means that the account is no longer active and that you…

If I pay off a personal loan early do I pay less interest?

If you pay your loan off early, you may pay less interest. But some lenders also charge prepayment penalties. This…

Available credit vs current balance

Key Takeaways In 2021, the average American household with credit card debt owed around $5,700.1 If you also use credit…

How To Build Credit From Nothing

If you're starting from scratch with no credit history, don’t worry, you’ve got options. You can build credit from nothing…

Can You Have a 700 Credit Score with Collections?

Key Takeaways It is possible to have a 700 credit score when a default payment goes to collections. That being…

Does applying for an apartment hurt your credit?

Key Takeaways Apartment applications may not hurt your credit score too much, but too many within a short period can…

Do credit card companies actually investigate?

Key Takeaways Credit card companies do investigate when there is suspicion of fraud. Creditors investigate by gathering information to determine…

What is credit utilization

It’s crucial for consumers who use credit cards to increase their financial literacy. Knowing how a credit limit can impact…

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