CREDIT EDUCATION & NEWS
Insights, market analysis, and actionable guidance to help you build and maintain exceptional credit.
Amex Points Can Now Buy Jerseys. Read the Fine Print Before You Transfer
American Express just added a place to send your points that has nothing to do with flights or hotels, and the offer looks simple on purpose. Simple is not the same as good value, and one rule in the fine print makes this a decision you cannot undo.
Subprime Auto Delinquencies Just Hit Their Highest September Level Since 2017
If your car loan was approved at a lower score, you are in the exact group a new report is watching, and the numbers moved the wrong way again. The stress is not spread evenly across borrowers, and that is what makes this one worth your attention.
Household Debt Just Hit $19.1 Trillion. The Warning Is in the Delinquency Line
American households just crossed a number that should get your attention, and it is not the headline total. It is the share of that debt already slipping behind, because that is the line that lands on credit reports like yours.
Lenders Are Opening the Door Wider Below 660. TransUnion Just Showed the Numbers
If your score sits below 660, lenders have quietly started saying yes more often. The newest industry numbers show exactly how much more, and the fine print explains why that yes can still be expensive.