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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How to get a car with no credit or cosigner

Key Takeaways Cars can cost thousands, which is why many people choose to finance the purchase through an auto loan.…

Average down payment on a car with no credit

When financing a car, you will likely need a down payment. Down payment requirements vary depending on where you are…

Does a background check include a credit check?

Key Takeaways You may ask, “Does a background check also require a credit check?” A background check does not always…

Overdrawn bank account went to collections what to do

Are you worried because your overdrawn bank account went to collections? A negative balance in checking accounts can cause a…

How to clean your credit in 60 days

Key Takeaways If you need money but are suffering from less than perfect credit, you are probably looking for ways…

How to get money from venmo without a bank account

Key Takeaways Venmo is an app you can download on your smartphone. A Venmo account has quickly become one of…

Credit Access Line vs Credit Limit Explained

Key Takeaways A credit access line is the amount of cash you can withdraw from your available credit, while your…

Co-applicant vs co-signer: an overview

A co-signer is a financial backup for the lender, and is only responsible for the loan if the primary borrower…

What Happens to Your Car Loan When You File Chapter 7 Bankruptcy?

Chapter 7 bankruptcy involves a debtor liquidating assets for debt discharge, hence, why it’s sometimes referred to as liquidation bankruptcy.…

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