Blog

By James RobinsonSeptember 04, 2026
What Insufficient Credit History Means and How to Borrow When You Have It

Getting turned down because of insufficient credit history can be frustrating. You may pay every bill on time and still be told a lender doesn’t have enough information to assess your application.  This can happen when your credit file is new, contains only one or two accounts, or has little...

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Latest Articles

Credit Score
By James RobinsonAugust 28, 2026
639 Credit Score: Is It Good or Bad?

A 639 credit score is generally considered Fair under FICO and Near Prime under VantageScore. It is below FICO’s Good range, which starts at 670, and below VantageScore’s Prime range,...

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Loans
By James RobinsonAugust 19, 2026
What Happens If I Miss a Loan Payment and What to Do Next

A missed loan payment can happen for all sorts of reasons. So, what happens if I miss a loan payment? You may be charged a fee, and a payment that...

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Credit Score
By James RobinsonAugust 06, 2026
What is a Good Credit Score to Buy a Car With No Down Payment?

There is no credit score that guarantees a car loan with no down payment. What counts as a good credit score varies by model. A standard FICO score from 670...

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Credit Score
By Avery QuinnAugust 03, 2026
What is a 622 Credit Score?

Every score is the result of dozens of financial decisions made over months or years. Some of those decisions help a score grow. Others hold it back. If your score...

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Credit Score
By Avery QuinnJuly 29, 2026
What Is a 520 Credit Score?

Seeing a 520 credit score can feel discouraging. Maybe you checked your score after being turned down for credit. Maybe you expected it to be higher. Or maybe you already...

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Credit Score
By Avery QuinnJuly 24, 2026
635 Credit Score: Good, Bad, or Somewhere in Between?

You check your credit score and see 635. That’s not a number that causes immediate panic. It’s also not a number that usually makes people celebrate either.  That’s what makes...

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Credit Score
By Avery QuinnJune 10, 2026
643 Credit Score: What Does It Mean?

A 643 credit score is usually considered fair under FICO and near prime under VantageScore. It is below the common “good credit” range, but not in the lowest credit score...

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Loans
By Avery QuinnMay 04, 2026
Loans for Retired People: A Complete Guide for Seniors

One of the most common reasons people take out a loan is to address an unexpected expense caused by a life event. Those don’t stop happening when you’re retired. Life...

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Loans
By Avery QuinnFebruary 24, 2026
What Are Loans for Healthcare Workers and How Do You Qualify?

When you work in the healthcare industry, you save people’s lives. Doesn’t it make sense that there should be someone out there ready to help with your finances? Loans for...

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