Bella Mertz

The 5 Cs of credit namely Character, Capacity Capital, Collateral, and Conditions, are the cornerstone of evaluating a borrower’s creditworthiness and determining the feasibility of extending credit. These factors, when analyzed effectively, empower lenders to make informed decisions, mitigate risks, and foster successful business relationships with their borrowers. Understanding the 5 Cs of Credit Character: … Read more

Congratulations on paying off your mortgage! That’s a huge accomplishment, and it’s definitely something to celebrate. But what happens to your life insurance policy now that you no longer have a mortgage to protect? There are several options available to you, based on your unique needs and circumstances. Let’s take a look at each one: … Read more

A credit card authorized user is someone who is added to another persons credit card account. An authorized user receives a card of their own to make purchases, but they arent liable for payments. Experian, TransUnion and Equifax now offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com. At Experian, one of our priorities … Read more

A debt collector must file a lawsuit and obtain a judgment against you for the amount you owe before they can begin to collect Social Security or VA benefits. Next, in order for your bank or credit union to release funds from your account or prepaid card, the debt collector needs to obtain a court … Read more

We are an independent, advertising-supported comparison service. Our objective is to empower you to make confident financial decisions by giving you access to interactive tools and financial calculators, publishing original and unbiased content, and allowing you to conduct free research and information comparisons. Issuers that Bankrate has partnerships with include American Express, Bank of America, … Read more

Timely rent payment is one of a landlords biggest concerns. So, when screening potential tenants, landlords may utilize credit information to determine which applicants are most likely to make their payments on time. Here’s what you need to know if you’re wondering what credit information you’ll need for your next rental. Unlike traditional lending credit … Read more

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and heres how we … Read more

The credit score you see and the one your lender uses may be different for several reasons. First and foremost, it’s critical to comprehend that the data in credit reports kept by the three main credit bureaus is what determines credit scores. A credit score based on one report may not be the same as … Read more

A creditor who successfully sues you to collect an unpaid debt will be awarded a judgment against you by the court. With the help of this court order, they are able to garnish your wages, levy your bank account, or seize your personal or real property and place a lien on it in order to … Read more

International humanitarian organizations claim they still encounter violence and practical challenges when attempting to provide aid throughout the famine-threatened region, following the death of World Central Kitchen aid workers in Gaza due to an Israel airstrike that drew international condemnation. A week after the World Central Kitchen attack, UNICEF spokesperson Tess Ingram tells TIME over … Read more