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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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Should I pay a charge off in full or settle

You may have a lot of stress if you are carrying around past-due debt. At best, multiple late or missed…

Can you pass a credit check with no credit history

Worried about if you can pass a credit check with no credit history? Don’t worry! The concept of “passing” a…

How to get out of a title loan without losing your car

A title loan, also called an auto title loan or car title loan, uses the equity of a vehicle to…

Do utility bills affect credit score

Obtaining a pristine credit score is a goal sought after by most responsible adults. A good credit score can open…

Average credit score after chapter 13 discharge

Key Takeaways Numerous people file for bankruptcy every year to reclaim control of their finances. Bills can become burdensome, and…

How many car loans can you have?

Key Takeaways While there is usually no limit as to how many car loans you can have, it may not…

Does Paying Utilities Build Credit?

Paying utilities does not always directly contribute towards building credit, but under the right circumstances, it can! Most utility companies…

How to fix a declined debit card

Key Takeaways There is nothing quite like the horrible embarrassment that comes with having your debit card declined in the…

Are rewards cards worth it?

Rewards cards are worth it to specific consumers. Some borrowers state that credit cards are not worth the potential cost…

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