January 31, 2026
Reading and Disputing Alternative‑Data Entries: Bank Cashflow, Rent & BNPL
Read bank‑cashflow, rent and BNPL entries on your credit file, collect evidence, and craft dispute letters that prompt timely reinvestigations and corrections.
January 26, 2026
How Lenders Use Alternative Data to Score Thin‑File Borrowers — What to Watch and How to Improve Your Odds
Learn how lenders use rent, bank cashflow, BNPL and open‑banking signals to underwrite thin‑file borrowers, the risks, and steps to improve approval odds.
January 11, 2026
Privacy Checklist for Fintechs Reporting to Credit Bureaus (2026)
Privacy checklist for fintechs reporting to bureaus: what data they collect, how it's used, legal duties, risks, and step-by-step consumer opt-out actions.
Reading and Disputing Alternative‑Data Entries: Bank Cashflow, Rent & BNPL
Read bank‑cashflow, rent and BNPL entries on your credit file, collect evidence, and craft dispute letters that prompt timely reinvestigations and corrections.
VantageScore 4plus and Experian Credit+Cashflow: How Cashflow & Open‑Banking Data Could Change Approvals
How VantageScore 4plus and Experian Credit+Cashflow use permissioned bank cashflow data to change underwriting, who benefits, and how to opt in safely.
FICO Score 10 BNPL: What the BNPL Rollout Means for Your Credit
FICO Score 10 BNPL adds BNPL data to scoring. Learn how the rollout affects approvals, credit behavior, lender decisions, and steps to protect your score.
How Lenders Use Alternative Data to Score Thin‑File Borrowers — What to Watch and How to Improve Your Odds
Learn how lenders use rent, bank cashflow, BNPL and open‑banking signals to underwrite thin‑file borrowers, the risks, and steps to improve approval odds.
Privacy Checklist for Fintechs Reporting to Credit Bureaus (2026)
Privacy checklist for fintechs reporting to bureaus: what data they collect, how it's used, legal duties, risks, and step-by-step consumer opt-out actions.
If Your Bank Starts Charging for Data: A Consumer Guide to Open‑Banking Fees, Alternatives and Rights
If your bank begins charging for data access, learn your rights under CFPB rules, practical alternatives, and steps to protect your credit and privacy.
BNPL and Credit Repair: Practical Dispute Strategies When Installment Platforms Don’t Report (or Report Incorrectly)
Dispute BNPL reporting errors: verify whether payments are reported, gather docs, use CFPB templates, follow FCRA timelines, and escalate to bureaus now.
Use the CFPB, Consumer Portals and Smart Templates to Win Credit Disputes Faster: A Step‑by‑Step Process
Guide to using the CFPB portal, credit-bureau dispute tools and smart templates to fix credit report errors faster, with evidence and escalation steps.
Handling Collection Accounts: Validate Debt Letters, Negotiation Scripts and Reporting Outcomes
Learn how to validate collection debts, use FDCPA/FCRA rights, send debt‑validation letters, negotiate payment or settlement, and track reporting outcomes effectively.
Choosing a Card in an Era of New Scoring Models: Fees, Features and Strategies for Rebuilding Credit
Practical card-picking advice for people rebuilding credit: how new scoring models, BNPL and rent reporting affect fees, rewards and card selection.
How to Compare Credit Card Fees and Hidden Costs: APR, Annual Fees & Penalties
Learn how to compare APR, annual fees and penalty charges so you can pick a card that fits your budget and goals. Practical tips and current trends.
Avoiding Rewards Traps: How Sign-Up Bonuses Can Backfire on Your Credit Health
Sign-up bonuses can lead to overspending, hard inquiries and account churn. Learn how to earn rewards safely and protect your credit score.
Bankruptcy Recovery Playbook: Practical Steps to Rebuild Credit, Budget and Access Credit After Chapter 7 or 13
Practical playbook to rebuild credit after Chapter 7 or 13: budgeting, secured cards, credit-builder loans, rent reporting, BNPL risks and timelines to access new credit.
Medical Debt, Collections & Settlement: What 2024–2025 Policy Changes Mean for You
Learn how CFPB and credit bureau changes in 2024–25 affect medical collections, settlement tactics, legal risk, and whether to settle or consider bankruptcy.
How Debt Settlement Affects Your Credit Long Term: Realistic Expectations and Timelines
Learn how debt settlement appears on credit reports, realistic recovery timelines, and practical steps to rebuild credit after settling debts.
Low-Income Budgeting Hacks That Help You Avoid Missed Payments and Build Credit
Practical, low-income budgeting hacks to avoid missed payments, build credit, and create a starter emergency fund — step-by-step systems and a quick checklist.
Save vs Pay Down Debt: How to Prioritize When Money Is Tight
Practical rules and a step-by-step plan to decide whether to build emergency savings or pay down debt when funds are tight. Protect your finances today.
How to Build an Emergency Fund When You’re Deep in Credit Card Debt
Practical steps to build a starter emergency fund while carrying credit card debt: prioritize a mini-buffer, cut interest costs, automate savings, and protect your credit.