Blog
Stay informed with the latest articles, tips, and insights about credit and financial wellness.
February 4, 2026
Rebuild Credit After Bankruptcy with Secured Cards & Credit‑Builder Loans
Rebuild credit after Chapter 7 or 13 with secured cards and credit‑builder loans. Timelines, product features, how new scoring models affect approvals.
February 1, 2026
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.
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.
January 6, 2026
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.
January 2, 2026
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.
December 31, 2025
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.
December 26, 2025
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.
December 22, 2025
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.