Genius Insights
Guides, insights, and tips from the Credit Genius team
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Most people have credit questions they have never asked out loud. Not because the questions are unreasonable, but because...
Millions of Americans get paid in cash. Restaurant workers, contractors, cleaners, caregivers, day laborers, and small business owners operating...
Credit piggybacking is a strategy where one person benefits from another person’s credit history by being added as an...
Traditional credit counseling has existed for decades as a way to help Americans manage debt and improve their financial...
Veterans face a unique set of credit challenges. Frequent relocations during service, deployments that disrupt financial routines, and the...
Buying a home is the largest financial decision most people make in their lifetime and your credit score is...
Getting calls from a debt collector is stressful enough. The possibility of being sued on top of that is...
A goodwill letter is a written request to a creditor asking them to remove a negative mark from your...
Rapid rescoring is one of the lesser-known credit tools available to borrowers, and it can make a significant difference...
Your 20s are the most consequential decade for credit. Not because the stakes are highest right now, they are...
A collections account is one of the most damaging things that can appear on your credit report. It signals...
The credit system was designed around a paycheck. Consistent employment, a predictable income, and a W-2 at the end...
Bankruptcy is one of the most significant negative events that can appear on a credit report. It signals to...
College is one of the best times to start building credit, even if you have no income. The options...