Insights

Learn how a business loan can affect your personal credit — from personal guarantees to business structure — and when it won't touch your score at all.

Learn how to pay off debt fast with seven practical strategies — from paying more than the minimum to debt consolidation and the snowball method.

Your credit utilization ratio makes up 30% of your credit score. Learn how to calculate it, what counts as too high, and how to keep it in check.

Learn the unsecured loan qualifying criteria lenders use — credit score, debt-to-income ratio, and bank activity — plus how the approval process works.

Learn the factors that affect your credit score — from payment history to credit mix — and how much each one weighs in your FICO Score.

Learn how to calculate debt-to-income ratio step by step, why lenders check your DTI, and simple ways to improve it before applying for a loan.

Wondering if unsecured loans hurt your credit? Learn how they affect your score's five components — and why the impact is usually minimal.

Discover four ways to boost your credit score before applying for a loan, plus what score you need to qualify for unsecured financing.