Author: David B. Coulter

5 Components You’ll Find in Your Credit Report

When you get a credit report, you’ll find tons of information about your borrowing habits that can be difficult to understand. The process of credit scoring and how your credit score is determined is somewhat unknown to the public. Unless you work for a credit bureau, you’ll likely never know or understand the algorithm that…

Experian vs. Equifax vs. TransUnion: Who’s Who in Credit Monitoring

If you’ve ever applied for a loan or a line of credit, then you are likely to be familiar with credit monitoring services. You must be aware of the importance of your credit report and credit score, as well as the three major credit bureaus. In general, credit bureaus are responsible for gathering the credit…

Banks vs. Credit Union – Which Is Right for You?

Banks and credit unions provide many of the same services. Both offer federal deposit insurance, so up to $250,000 per deposit or, per institution is  protected. However, it is the differences between these two types of financial institutions that will lead you to a decision about where to put your money. When it comes to…