Is There a Difference Between Debt-to-Credit and Debt-to-Income?

When it comes to personal finance metrics, many important numbers are expressed as ratios. Two of the most common ratios you’ll hear are debt-to-credit and debt-to-income. They sound somewhat alike, so they’re easy to confuse. So, what do these terms mean? What’s the difference? And how are they used? Let’s check them both out. What […]


Everything You Need to Know About the FICO Score 9

Did you know that credit scoring models are constantly evolving? Many consumers have an idea of what goes into a credit score–payment history, account balances, account mix, etc. But they don’t know that the way lenders look at these items is constantly fluctuating. As further evidence of this, we now have a brand new credit […]


Will Checking Your Score More Often Actually Improve Your Credit?

Common wisdom is that if you want to improve your credit, you should first have an idea of where you stand. You need to know what your current credit score is and what you can do to improve it before you can take steps in the right direction. But one recent Discover survey revealed some […]


Everything You Need to Know About FICO’s Auto Score 9XT

When you think of your credit score, what do you think about first? If you’re like most consumers, you probably think of just one single number. That number changes over time, but it’s still just one credit score, right? Except when you’re talking about the FICO® Auto Score9 XT. The fact is that your credit […]


How to Keep One-Off Expenses from Breaking the Budget

Even if you’re a budgeting machine who has it all together, you may still get surprised once in awhile. Usually, you’ll be caught off guard by one-off expenses. These are items that you should technically expect, but they tend to sneak up on many of us. After all, it can be hard to remember expenses […]


How to Value Your Non-Cash Donations Come Tax Time

Clutter can be overwhelming. It’s easy to let outgrown and unused things pile up over the years, especially if you’re not sure what to do with them. One way to clean out your closets, give back, and save money on your taxes is to donate non-cash items to charity. Whether you’re cleaning out your kids’ […]