At a Glance: Having good credit offers numerous benefits, including lower car insurance premiums, increased approval rates for renting apartments and buying homes, better interest rates on mortgages, improved chances of getting hired for a job, reduced security deposits, higher chances of credit car…
At a Glance: To check your credit history without an SSN, you can request a free credit report from the major credit reporting agencies by submitting a written request. Include a government-issued ID with your current address, a current utility bill or bank statement, full name, ITIN, date of birth,…
Have you heard the term “credit score”? If not, it’s time to become familiar with it. A credit score is a rating given to you based on your history of taking on and paying back loans or other forms of credit. A good credit score carries with it a host of benefits—from advantageous rates on [……
For many new residents of the United States, building credit is an essential aspect of securing your financial future. Credit is used in many financial decisions, and one should start building credit as soon as they can. Since credit can be a complicated topic, we’ve put together this guide on helpi…
Many people are unsure what the consequences are if they have bad credit or no credit. Is it the same thing? Luckily there are simple answers and easy steps that can be followed to take no credit or bad credit and turn it into good credit. No Credit vs Bad Credit Bad credit is when […]
At a Glance: Renting an apartment in the United States can be challenging for international students who struggle to prove their financial background. However, there are alternatives to secure an apartment without extensive financial documentation. Options include making a higher deposit, providing …
image source: Fryderyk Doerffer We are excited to bring back our interview series with Stilt borrowers and friends. These individuals share their experience of coming to the U.S. as international students, employees, dependents, and entrepreneurs. In our series, today we will talk to one of our earl…
At a Glance: To start building your credit today, follow these 11 steps. First, check your credit report for errors and dispute any inaccuracies. Next, negotiate with creditors for better terms or rates on outstanding loans. Make sure your credit limits are accurately reported to avoid being seen as…
At a Glance: A credit report is a compilation of your financial activity, including credit accounts and loans, created by consumer reporting agencies. It is important because lenders use it to assess your creditworthiness when deciding whether to grant you loans or services. A poor credit history ca…
Credit history is often the biggest stumbling block between you and getting access to credit. In this post, we are going to explain the basics of credit history and how you, as a non-U.S. citizen, will be able to build your credit history. What is credit history? A credit history is a record on how …