Banking
Alternative credit scoring for mortgages gets green light
For years, mortgage lending has hinged on a single number: your FICO score. It’s the invisible hand behind your approval, your interest rate,...
How on-time payments affect credit score—and why it's not enough
If you’re carrying a credit card balance in 2025, you’re not alone. Americans now hold $1.18 trillion in credit card debt—near record levels....
Student loan repayment backlog leaves 2 million borrowers in limbo
[UNITED STATES] Almost 2 million federal student loan borrowers seeking affordable repayment options are stuck in limbo as their applications await review, according...
The hidden link between airline rewards and credit card fees
If you've ever booked a “free” flight using your airline miles, you’ve quietly benefited from one of the most misunderstood financial systems in...
Will BNPL debt affect your credit report?
Buy Now Pay Later (BNPL) services have changed how many people shop. With a few taps, you can split a $200 payment into...
What’s the difference between credit rating and credit score?
Most working adults have heard the terms “credit score” and “credit rating” thrown around in conversations about loans or investments. It’s easy to...
Why ditching credit cards might be the financial flex you need
Most personal finance advice online sounds like this: “Use a credit card for everything, pay it off every month, rake in the rewards,...
How to get a personal loan with bad credit without wrecking your score
Let’s say you’re sitting on an unexpected bill. Maybe it’s a busted laptop you need for work, a medical emergency, or rent creeping...
Why a bank mortgage may serve you better over time
For many Singaporeans, buying a home begins not with browsing property listings, but with an entirely different kind of decision: choosing the loan...
When should you use a personal loan in Singapore?
Singaporeans are, by most global comparisons, financially prudent. The national savings rate remains high, household debt levels are generally stable, and mandatory CPF...
Why mortgage structure matters for economic resilience
Mortgage structure isn’t just a personal finance decision—it’s a systemwide signal. When housing credit is tightly regulated, households remain resilient, banks stay solvent,...
New student loan repayment plan 2025
If you’ve been using an income-driven plan to manage your student debt, you may want to sit down. The new student loan repayment...
Subscribe to Our Newsletter
Get our latest updates sent straight to your inbox. Unsubscribe anytime.