Journal
Plain-English pieces on how credit decisions actually work, and what you can do about them.
Why lenders say no, and what the letter is telling you
The reasons on a decline notice are a map. Here's how to read it.
Hard and soft inquiries: what actually affects your score
Checking your own credit is harmless. Applying isn't always.
Secured cards and credit-builder loans, side by side
Two ways to build a record when nobody will lend to you yet.