2024-04-22 13:53
Credit card debt is common. Many households are facing a growing credit card balance. But this type of debt, with notoriously high interest rates, is one of the hardest to climb out of. Once… Read More
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Tradeline Supply Company Blog
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Tags:
credit
financial
money
loan
revolving credit account
budget
student loan
financial advice
debt
unsecured credit
The Tradeline Supply Company, LLC blog provides education about building credit with an emphasis on authorized user tradelines.
2024-04-01 18:33
What Is a Budget?
A budget is a tool that you use to manage your money. Usually, a budget is balanced between income and expenses so that you know where all your money is going. Some budgets… Read More
2024-03-15 11:10
One of the most distressing problems in America today is people living without roofs over their heads. In major cities, you see it all the time. And there are half a million people who are h… Read More
2024-03-04 15:10
When you think of credit cards, unsecured credit cards likely come to mind first. While some financial gurus preach about the dangers of opening an unsecured credit card, the reality is that… Read More
2024-02-23 14:24
Back in 2020, the federal government gave student loan borrowers a payment reprieve. The temporary measure was designed to help borrowers with federal student loans get through the financial… Read More
2024-02-09 16:17
When you need a vehicle to get around, you might feel pressure to spring for more than you can truly afford. Whether your financial situation has changed or you felt pressure to overspend at… Read More
2024-01-18 13:26
A secured credit card gives cardholders an opportunity to build credit. While you’ll have to make a security deposit to serve as collateral, this can serve as your entry point into bui… Read More
2024-01-05 15:33
You can find financial advice almost everywhere you turn. Whether you are hearing advice from TikTok stars or friends and family, you’ve likely heard more than a few financial myths th… Read More
2023-12-22 16:23
Artificial intelligence (AI) has been making headlines in recent months. As AI develops into a more sophisticated tool, it’s natural to wonder how this technology might impact financia… Read More
2023-12-15 15:37
The right credit score can make a world of difference to your financial future. Not only can a good credit score make it possible to obtain financing for major purchases, but it can also hel… Read More
2023-12-01 15:48
Saving more money is solid financial advice. In theory, we all know that saving money is important. But when it comes to managing our funds, it can be difficult to track how much of our inco… Read More
2023-11-17 15:39
Generation Z represents the youngest generation of consumers. As a member of Gen Z, the financial choices you make now can have an outsized impact on your financial future. When it comes to… Read More
2023-11-03 16:28
Stress can keep you up at night and have a negative impact on how you interact with the world around you. While stress of any kind can take a toll on your health, certain kinds of stress are… Read More
2023-10-27 14:18
Credit cards come with high interest rates that make it easy to slide into credit card debt. Even if you make on-time payments each month, sticking with the minimum payment can make for a lo… Read More
2023-10-18 12:21
If you have negative feelings around money, or you just don’t know what to do with it, there’s a chance that you might have experienced financial trauma in the past.
That doesn&r&hell…Read More
2023-10-13 11:17
Identity theft is no laughing matter. When your identity is stolen, it can affect your entire financial life, from your credit to your ability to apply for loans. You want to make sure that… Read More
2023-10-11 06:05
You must have a credit score to buy a home, lease an apartment, or take out a private loan. Credit scores indicate how responsible you are with credit. Even if your credit isn’t the be… Read More
2023-09-29 14:59
The right credit score can help you sail through smooth financial waters. But if you have a bad credit score, it’s often more difficult to access the financing opportunities you need… Read More
2023-09-21 15:13
Credit cards offer a convenient and safe method of spending. Instead of toting around cash or carrying a debit card that is tied directly to your bank account, a credit card gives users the… Read More
2023-08-25 13:33
Saving money is a cornerstone skill for building a stable financial future. Without saving, it’s impossible to build a strong financial foundation. But reaching savings goals is often… Read More
2023-08-18 12:56
Whether you have bad credit or no credit, a secured credit card might be the solution you need to improve your credit. While a secured credit card isn’t the right choice for everyone… Read More
2023-07-31 13:36
Opening a credit card is a very serious financial decision. As with all financial decisions, it’s not a good idea to fly into this situation blindly. Instead, it’s helpful to wei… Read More
2023-07-21 08:17
Everyone loves a financial windfall. Unclaimed property in the form of a cash payment might give your financial situation a boost. Not everyone will uncover unclaimed property, but the poten… Read More
2023-07-14 13:35
It’s often a challenge to stay on top of household finances. Whether you are managing money by yourself or with a partner, life tends to get in the way of financial decision-making. If… Read More
2023-06-30 14:24
Economic inequality is the unequal distribution of wealth, income, and opportunity between different groups in society. It affects social structures deeply because it leaves some communities… Read More
2023-06-21 10:07
It’s not uncommon to switch jobs, especially in the wake of the “Great Resignation.” For many, a lengthy job search can yield a worthwhile job opportunity. But finding a ne… Read More
2023-05-25 15:39
Emotional spending is one personal finance issue that many struggle with. According to a NerdWallet survey, 49% of Americans said emotions have caused them to spend more than they can reason… Read More
2023-05-12 11:58
No one wants to experience credit card fraud. When you detect fraudulent purchases, it’s usually accompanied by a sinking feeling about the situation.
The unfortunate reality is that c… Read More
2023-04-03 13:48
While your credit score is just a three-digit number, it can have a big impact on your life.
When building your life in the midst of economic uncertainty, a good credit score is an even more… Read More
2023-03-24 12:24
Fears of a recession in the economy have been floating around for months. According to the National Bureau of Economic Research, we aren’t in a recession. However, thousands of workers… Read More
2023-03-10 14:08
Like having the right credit score, choosing the appropriate insurance policies has a big impact on your financial health. Without the right insurance policies, it is easy to get caught in a… Read More
2023-03-03 18:36
We all know that saving money is important. But stashing those savings into an emergency fund can be a game changer for your financial future.
Essentially, an emergency fund is a pile of cas… Read More
2023-03-02 12:38
Primary tradelines are usually the goal of anyone trying to build credit and have good credit lines available to them. Piggybacking on credit is often a great way to begin that journey to ac… Read More
2023-02-24 07:18
Whether we like it or not, our financial situation has a big impact on our lives. Making smart money choices can propel you toward the future you desire.
Regardless of where you are starting… Read More
2023-02-03 14:25
Financial skills take time to learn and master. Although it would be nice if we all came into the world with top-notch financial skills, that’s simply not the reality of our world. Ins… Read More
2023-01-28 09:20
When you hear of a challenge, your mind might not automatically jump to money. But choosing to take a savings challenge can transform your financial situation for the better. Building more p… Read More
2023-01-20 16:53
The holiday season is often filled with family and fun. Ringing in the new year is the crowning event of an enjoyable season. As the new year rolls around, it’s also a great time to se… Read More
2023-01-12 16:27
For some lucky workers, this time of year comes with a holiday bonus. Whether you’ve received a bonus that you’ve been expecting or were pleasantly surprised by a generous bonus… Read More
2023-01-06 14:39
When you have the right credit card in your wallet, you can tap into the rewards and perks that stretch your spending further. After all, scoring cash back on purchases you already planned t… Read More
2022-12-31 11:03
When it comes to moving, there are lots of things to keep track of. Whether you are moving across the country or down the street, the process of packing up everything you own and toting it s… Read More
2022-12-23 14:22
When it comes to effectively managing your personal finances, the right credit score can make all the difference. Not only will a good credit score make it easier to obtain the financing you… Read More
2022-12-09 18:30
When it comes to building credit, the right mindset can make all the difference. Although simply thinking about building credit in a positive way won’t give your credit score a boost… Read More
2022-12-02 14:11
Regardless of your financial goals, an extra income stream can always come in handy. If you are trying to build better credit, the funds you bring in from a side hustle could help you transf… Read More
2022-11-18 07:23
As the cooler weather sets in, the holiday season is starting to appear on the horizon. Although the festive season is filled with lots of fun, it can also feel like the most expensive seaso… Read More
2022-11-10 16:01
Frugality isn’t a new concept. Some have been pinching pennies since there have been pennies to pinch. Although some level of thriftiness is a necessity for most households, some embra… Read More
2022-11-03 16:00
Building credit can be a challenge, particularly for those who have never had credit before. Fortunately, becoming an authorized user (AU) on a credit card can provide a pathway to credit-bu… Read More
2022-10-24 15:47
Enticing credit card rewards are one of many reasons to build a good credit score. With a great credit score, you can unlock access to top rewards credit cards.
The allure of credit card rew… Read More
2022-10-18 19:14
This guest post was contributed by Pyramid Credit Repair.
Credit, as related to personal finance, refers to someone’s ability to pay lenders back. Many years ago, bankers and indi… Read More
2022-10-16 13:04
When relocating to a new country, it’s an exciting time as the start of a new chapter. But there are also some challenges that tend to pop up after arrival. One major challenge for tho… Read More
2022-10-06 13:01
When you hear the word debt, it often carries a negative connotation. You might see stories of people trying to get out of debt or being crushed by debt.
Although household debt reached $16… Read More
2022-09-30 13:43
There is no denying that going through a divorce is a challenging and stressful time.
On top of the emotional cost, there are financial costs that often tag along with divorce. One of the ma… Read More
2022-09-15 09:42
Payment history is the most important factor for your FICO score. It accounts for 35% of your FICO score. So, if you miss a payment, that could have a big impact on your credit score.
If you… Read More
2022-09-09 09:59
Money is the most influential element that we run into in our daily lives. It either empowers us or hinders us, depending on how much control we have over the money in our lives. We can use… Read More
2022-09-01 14:48
When you file for bankruptcy, it’s usually because you have no other option for your finances.
Although it might be the right choice for your situation, the decision to file for bankru… Read More
2022-08-25 12:28
If you’ve ever looked into repairing your credit, you may have seen credit repair businesses advertising “609 dispute letters” as a way to remove negative information on yo… Read More
2022-08-19 13:09
Establishing tradelines is an essential part of your credit. In fact, all credit ultimately boils down to tradelines, because your credit standing depends entirely on what tradelines you hav… Read More
2022-08-12 13:41
When a recession is on the horizon, it’s time to prepare your finances for the potential storm ahead. Although a recession can batter personal finances across the country, it’s p… Read More
2022-08-07 10:44
While it might not be obvious that members of the LGBTQ community need to manage their finances differently, a quick look into how they have been treated historically and how that has impact… Read More
2022-08-04 12:39
As a member of the military, you face tough challenges on a regular basis. The tenacity and perseverance you build during your career can translate into other aspects of your life. One place… Read More
2022-07-29 12:14
A car is a major purchase. With the price of both new and used cars rising fast, it’s not a surprise that most of us have to take out a loan to finance this big expense.
If you are pla… Read More
2022-07-27 13:37
Cosigning a loan for someone is a big deal. Although it might feel like you are just offering a family member or friend a helping hand, the decision could come back to haunt your financial s… Read More
2022-07-22 11:28
Homeownership is a big financial goal. Although there are many important steps on the path to your dream home, building a good credit score might be the most critical.
Not only does the righ… Read More
2022-07-20 11:45
Understanding the racial wealth gap in America is crucial to taking steps to make a more equitable economy. Since the COVID-19 pandemic changed the fabric of American working society, now is… Read More
2022-07-15 09:28
A good credit score is a key to accessing financing options on major purchases. Building credit can be easier said than done. One popular way of building credit is to use a credit card. But… Read More
2022-07-13 11:10
Credit scores, for better or for worse, are used in America to help determine someone’s creditworthiness. This affects all sorts of things from home loans to car loans to rental applic… Read More
2022-07-07 11:50
Anytime one of your bills heads to collections, that’s bad news for your credit score. But when it comes to medical debt, having a bill in collections is more common than you might thi… Read More
2022-06-30 06:33
Leveling up your finances can be daunting, especially if you’ve made decisions in the past that have negatively affected your ability to pay bills and save money. But that doesn’… Read More
2022-06-29 09:36
A credit score is a three-digit number that can greatly impact your life. Just like it’s a good idea to save money while you are young, it’s also a good idea to work on building… Read More
2022-06-24 10:39
Your credit score is an important three-digit number that can have a major impact on your personal finances. But your credit score is just a reflection of your credit usage habits. One of th… Read More
2022-06-22 11:40
Credit card debt can get expensive quickly. The notoriously high interest rates that come attached to your credit card can let even a relatively small balance get out of hand quickly. So, un… Read More
2022-06-17 11:24
Everyone has a money story. Something they tell themselves to feel okay with their money situation. But are these narratives helpful?
Sometimes they are. But only if they’re empo… Read More
2022-06-14 10:36
An unpredictable income often comes hand in hand with the freelancer or gig worker life. The freedom and flexibility you have over your work are empowering. But an unpredictable income can m… Read More
2022-06-07 11:38
A credit card can be a helpful personal finance tool. When used correctly, a credit card can help you build credit and earn rewards for your spending. But it’s easy to make mistakes th… Read More
2022-06-02 11:59
In the business world, “principles of continuous development” guide the top professionals and companies to business success. What does this mean to the rest of us, and how can we… Read More
2022-05-31 11:26
Even if you feel you are at a total loss for any positive money habits, you can still gain new habits to transform your wealth. In theory, it’s simple to get ahead: earn more than you… Read More
2022-05-25 12:02
A budget is a helpful tool that can help you manage your finances effectively. On the surface, a budget just tracks your income and expenses. But on a deeper level, a budget can help you tra… Read More
2022-05-20 07:20
A thin credit file can be problematic. Although your finances may be completely stable, a thin credit file can make it challenging to access financing for major purchases when you need it.
T… Read More
2022-05-14 01:29
Are you thinking of driving a new car? If so, you’re in luck. Here are some of the best tips and tricks for shopping for a car in 2022. By heeding these tips, you can ensure that you g… Read More
2022-05-11 13:34
When you have debt holding you back, it can be a drain on your personal finances. That’s especially true when you have high-interest credit card debt.
The good news is that the right l… Read More
2022-05-06 13:06
Most ratings and buyers’ guides of credit repair companies are nothing more than paid advertisements—but not here!
Here is the insider’s guide to the good, the bad, and the… Read More
2022-05-04 05:07
If you can’t seem to keep hold of your money, and always feel just a little bit behind, it can be very easy to paint a narrative that you’re bad with money. And while it feels sa… Read More
2022-04-28 13:27
You’ve likely heard that having a good credit score is important.
But why does this three-digit number matter so much? It can impact your finances in many ways. Whether you want to mak… Read More
2022-04-27 07:20
People often treat money like it’s numbers and facts. And then they judge themselves for not making good money decisions. It becomes a vicious cycle: “I’m not good with num… Read More
2022-04-20 11:20
Poor credit can have a big impact on your finances. One of the many ways bad credit can wreak havoc on your spending plans is that obtaining a high credit limit can be challenging.
The… Read More
2022-04-17 10:53
A good credit score can open the door to new financial possibilities.
You can unlock more attractive financing options for major purchases with the right score. And who doesn’t w… Read More
2022-04-09 07:18
If you are a regular online shopper, the rise of Buy Now Pay Later (BNPL) options likely hasn’t escaped your notice. When you reach the checkout of most major online retailers, you&rsq&hell…Read More
2022-04-06 10:17
Have you found yourself with a bunch of smaller balances on credit cards that have you juggling multiple payment dates? It can be overwhelming to try and manage several different cards. If y… Read More
2022-03-30 13:09
If you are running a company, it is possible that your business will need to lean on credit one day. Whether you want to open a business credit card or take out business financing, a busines… Read More
2022-03-25 10:40
If you are unsatisfied with your credit score, then a credit-builder loan may pop up on your radar as a potentially useful tool.
But before you jump into a credit-builder loan, it is critica… Read More
2022-03-22 07:46
Pay Bills, Settle Debt, & Grow Savings
By Sarah Sharkey
Fact-checked by Ellen Johnson
It’s tax time! Filing your taxes may be a less-than-enjoyable chore. But it’s all worth… Read More
2022-03-01 12:33
If you are shopping for a car loan with bad credit, you’ll quickly realize that you have a challenge ahead of you. It is entirely possible to obtain a car loan if you have bad credit… Read More
2022-02-10 12:41
By Moriah Chase
Credit scores are an important part of your financial health. They tell lenders how worthy you are to borrow money based on your previous history of paying it back. There are… Read More
2022-01-27 14:05
By Sarah Sharkey
If you need help building your credit, the right credit card can make all the difference. Unfortunately, it can be challenging to pick through the advertisements to find the… Read More
2022-01-17 14:45
By Moriah Chace
Since the beginning of the pandemic, nearly two years ago, the number of billionaires in the United States has increased from 615 people to 745 people. And their net worth?… Read More
2022-01-07 11:01
Financial and lending institutions use credit scores to determine how likely someone is to repay a loan. According to FICO, the average credit score in the United States stands at 716, but t… Read More
2021-12-23 11:58
A credit score is a three-digit number that can greatly impact your life.
The seemingly small number reflects a measure of your creditworthiness, which can have an outsized effect on y… Read More
2021-12-09 14:27
Having bad credit can make it challenging to get approved for a new credit card. Luckily there are credit cards specifically designed for consumers looking to rebuild their credit and improv… Read More
2021-11-15 12:17
Credit sweeps are a heavily advertised and promoted service among credit repair companies. Unfortunately for many unsuspecting consumers looking to improve their credit, the credit sweep is… Read More
2021-11-04 11:58
FICO 10 and FICO 10 T are new credit scoring models developed by FICO that have the potential to change the credit industry in a major way.
Credit expert John Ulzheimer, who worked for FICO… Read More
2021-10-07 12:36
Can authorized user accounts, also known as authorized user tradelines, be used to build credit?
Credit expert John Ulzheimer, who has nearly 30 years of experience in the industry, answered… Read More
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