Practical notes for a stronger file.

Plain-language articles on credit reports, disputes, consumer rules and business credit. Educational only, not legal advice.

CFPB exempts some credit unions from escrow regulations

The Consumer Financial Protection Bureau announced Tuesday some insured depository institutions and insured credit unions will now be exempt from regulations to establish escrow accounts for some higher-priced mortgage loans. The final rule will take effect upon publication…

This is the Free Budget Template You Need in 2021

At NFCC, we feel that tracking your monthly personal budget and household expenses shouldn’t require a finance degree. That’s why we’ve created this free budget template,…

Things Everyone Should Know About Credit Cards

Credit cards are not only a useful payment method for making purchases but also an essential component of a solid credit-building strategy.  After all, credit cards…

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