Category: Credit Repair

What Happened 📰 • On July 28, 2025, TransUnion experienced a major data breach through a third-party vendor, exposing sensitive personal information of approximately 4.46 million Americans.• The breach was identified two days later, on July 30, and TransUnion began notifying affected individuals around August 28.• Although credit reports themselves were not accessed, the compromised data included:names, birth dates, billing

💡 First Things First: What is a Credit Union? A credit union is a nonprofit, member-owned financial institution. Like a bank, it offers checking accounts, savings accounts, loans, and credit cards. The main difference is that credit unions are owned by their members, not shareholders. Because of this structure, credit unions often offer lower fees and better rates than traditional

A good credit score isn’t just about getting approved for a loan or credit card; it opens doors in ways many people don’t realize. Investing in your credit can pay off in multiple areas of life, often in ways you wouldn’t expect. 💸 Lower Interest Rates A high credit score signals to lenders that you’re low-risk. This means you’re eligible

For years, people have talked about revenge spending, splurging after periods of financial stress. But in 2025, the tables have turned. Say hello to revenge saving: the financial trend where people are going hard on saving, cutting unnecessary expenses, and building strong financial foundations to bounce back from years of high inflation, rising credit card rates, and overspending. So, what

Big news for Texas students! Gov. Greg Abbott has officially signed HB 27 into law, requiring all high school students (Starting with the Class of 2030) to complete a standalone personal financial literacy course in order to graduate. Before, financial topics were just a small part of economics classes. Now, students will receive real-world lessons on budgeting, saving, credit, loans,

College teaches you a lot, how to cram at 2 a.m., how to survive on ramen, and how to make friends fast.But what doesn’t it teach you?👉 How to build and protect your credit. One wrong move with your first credit card, roommate bills, or buy-now-pay-later shopping spree can haunt your credit report for years. Let’s break down the 5