credit

What are the different types of car loans?

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Most cars are bought with a loan, and the type of loan you choose can change the total cost by thousands of dollars. The main differences are who lends you the money, what secures the loan, and how long you take to repay it. Direct lending: banks, credit unions and online lenders You apply directly … Read more

How to build credit from scratch (or rebuild it)

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A credit score is a summary of how you have handled borrowed money. Landlords, lenders, insurers and sometimes employers look at it. If you have no credit history or a damaged one, you can build a solid score with a few boring but reliable habits. What goes into your score FICO, the score most lenders … Read more