Debt & Credit | Rocket Money

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woman writing letter on table at home

Debt And Credit - 5-Minute Read

Kevin Graham - May 22, 2024

Pay-For-Delete Letter: What It Is And How To Write One

A pay-for-delete letter requests the removal of negative information from your credit report in return for payment. Learn how it works and how to write one.

Woman at home office desk looking at notebook with open laptop and coffee nearby.

Debt And Credit - 11-Minute Read

Victoria Araj - May 20, 2024

What Does 0% APR Mean? Insights Into Interest-Free Credit Cards

Maximize savings with a 0% APR credit card. Learn how to use balance transfers and large purchases to your advantage and manage your card effectively.

Woman Sitting at desk in striped shirt looking at a laptop and holding a pen.

Debt And Credit - 5-Minute Read

Victoria Araj - May 14, 2024

The 5 C’s of Credit: What They Are And Why They Matter

The 5 C’s of credit are the factors that lenders consider when assessing a borrower’s creditworthiness. See how you can improve in these key areas.

Woman typing credit card number on phone.

Debt And Credit - 7-Minute Read

Sarah Lozanova - May 6, 2024

Using Credit Card to Build Credit: Why And How To Do It

If you’re trying to establish or repair your credit, using a credit card might help. Here’s what you should know about using a credit card to build credit.

Woman wearing glasses and smiling while she scrolls on a tablet.

Debt And Credit - 5-Minute Read

Matt Cardwell - May 1, 2024

What Is A VantageScore®?

Learn the similarities and differences between VantageScores^® and FICO^® Scores and how these scoring models impact your overall financial health.

African American couple hanging out on the couch together with a laptop and a book.

Debt And Credit - 5-Minute Read

Melissa Brock - Apr 29, 2024

Credit Limits: 7 Important Facts You Should Know

What is a credit limit and what should borrowers know about theirs? Learn the pros and cons of higher limits, how banks determine your credit limit, and more.

Two coworkers discussing meeting.

Debt And Credit - 6-Minute Read

Jackie Lam - Apr 22, 2024

How To Build Credit Without A Credit Card

It’s possible for you to build your credit and achieve your financial goals without using a credit card. Discover how to build credit without a credit card.

Man stacking piles of binder clipped paperwork on desk.

Debt And Credit - 8-Minute Read

Kevin Graham - Apr 19, 2024

How Much Does It Cost To File Bankruptcy?

The cost of filing for bankruptcy will depend on the type of bankruptcy and whether you hire an attorney. Here’s what you need to know before filing.

A group of five students walking together in a school hallway.

Debt And Credit - 7-Minute Read

Victoria Araj - Apr 12, 2024

How To Build Credit At 18: Credit Score Strategies

Learn how to build credit at 18 to get a head start on your financial future. Empower your financial health with these credit building strategies.

Man and woman colleagues sitting together discussing over a laptop.

Debt And Credit - 7-Minute Read

Victoria Araj - Apr 11, 2024

Does Debt Consolidation Hurt Your Credit Score?

Discover effective debt consolidation techniques – from personal loans to balance transfers and beyond – and see their potential impact on your credit score.

Woman in yellow shirt on her phone checking her credit score.

Debt And Credit - 6-Minute Read

Sarangi Nair - Apr 8, 2024

What Is A Good Credit Score? And How To Improve Yours

The range of a good credit score depends on the scoring model. Learn the ranges of both models and what you can do to improve your score.

Cape Cod style house.

Debt And Credit - 7-Minute Read

Scott Steinberg - Apr 3, 2024

Annual Percentage Rate (APR): What It Is And How To Calculate It

APR tells you how much borrowing money costs within a year, including any fees or charges. Here’s everything you need to know about annual percentage rates.

Woman on cell phone at home office desk with open laptop in front of her.

Debt And Credit - 4-Minute Read

David Collins - Mar 25, 2024

Does Paying A Phone Bill Build Credit?

Does paying a phone bill build credit? Learn whether phone companies report to credit bureaus, plus uncover ways to build credit when paying your phone bills.

Man in a wheelchair on computer at cafe.

Debt And Credit - 6-Minute Read

Cathie Ericson - Mar 22, 2024

What Happens To Your Credit After Taking Out A Mortgage?

Demystify the relationship between mortgages and credit scores by fully uncovering the effects of a home loan on your credit profile and financial standing.

African-American woman looking at credit card.

Debt And Credit - 5-Minute Read

Kara Porter - Feb 23, 2024

Can You Pay A Credit Card With A Credit Card, And Is It Wise?

Technically, you may be able to pay one credit card’s balance with another credit card, but do the risks outweigh the advantages? Read our guide to find out.

Stressed out couple looking at their expense sheets on computer.

Debt And Credit - 5-Minute Read

Sarah Li Cain - Feb 20, 2024

Maxed-Out Credit Card: What It Means, How To Fix It And How To Avoid It

If you hit or go over your credit limit, you may end up with a maxed-out credit card. Learn what happens if you max out your credit card and how to avoid it.

Woman in orange sweater on computer.

Debt And Credit - 11-Minute Read

Scott Steinberg - Feb 3, 2024

How To Build Credit: A Helpful Guide And FAQs

Want to start a strong financial future? Learn how to build credit and boost your score with or without a credit card. Get started with our helpful guide.

Debt And Credit - 8-Minute Read

David Collins - Jan 19, 2024

How To Build Credit After Bankruptcy: 6 Steps

Rebuilding your credit after filing for bankruptcy can take time, but there are ways to tackle it so you can get back on your feet. Read on to learn more.