Credit

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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What happens if you falsely dispute a credit card charge

Key Takeaways If you have used a credit card before, you may be aware of all the things that may…

What is a tier 3 credit score

Key Takeaways Are you wondering how your credit score can affect different areas of your financial life? Here, you’ll learn…

Initial loan approval

Key Takeaways Initial loan approval is one of the first steps of a loan application. Lenders will use this process…

How long does a loan stay in underwriting

Any loan you apply for, secured or unsecured, will have an underwriting process. This process allows lenders to verify financial…

How long before collection agency reports to credit bureau

Key Takeaways The United States has three primary credit reporting agencies.1 If you owe funds to a collection agency, you…

What is a tier 4 credit score

Key Takeaways A tier 4 credit score is generally considered lower-tier credit. Those who have fallen victim to predatory funding…

Pre approved vs pre qualified credit cards

Key Takeaways Sometimes in the mail or email, depending on what financial institution you bank with or have worked with,…

What is the starting credit score

Believe it or not, borrowers do not get the same credit score start point. Your first credit score will depend…

What information is needed for a soft credit check

Key Takeaways What information is needed for a soft credit check? If you want to see the information lenders look…

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