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Smart Borrowing

Does checking your credit score too often affect your credit rating?

If you are checking your credit report yourself, by phone or online, it does not affect your credit report.

What can I do to improve my credit score?

Pay your bills on time, reduce your debt, remove inaccuracies and avoid new inquiries for a few months.

How do you start rebuilding your credit after claiming personal bankruptcy?

You can't do anything to change your past, but you can start today to improve your personal credit score.

What you need to know about your credit

Credit cards can help you build your credit or can also damage your credit if not used properly.

Have questions about student loans?

Are you planning to go to college or university? Going to school is expensive, but before you rush out and get a student loan, here are some things to consider.

What is the smartest way to pay off student loan debt

Student loans generally have the benefit of lower interest rates and can be amortized over an extended period of time.

How do I choose a credit card?

Whether you like to travel, want a lower interest rate or want to earn points, there may be a credit card that fits your life and matches your interests.

What is the best way to pay off past due and maxed out credit cards?

Concentrating on one card and neglecting the others, or paying just what you can afford can further adversely affect your credit rating.

How do consumer loans work?

A consumer loan is like an IOU. Let’s say you borrow money from a friend with the knowledge you will be paying him back. A consumer loan is like that (except you borrow money from a financial institution).
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