Resource Library

Empowering knowledge and protection to master debt.
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Types of debt

How Point-of-Sale Loans Differ from Other Types of Lending

There are many types of lending options available, but one of the more manageable ones is a point-of-sale loan, which is oftentimes referred to as a “buy now, pay later” loan.
Financial planning

How to Manage Your Expenses

Creating and managing a budget, in addition to balancing your accounts, are crucial skills for financial success. We explain how to do all three.
Credit cards

How Many Credit Cards is Too Many?

There’s no right number of credit cards you should have. It depends on your ability to pay bills, rewards you’d like, and credit score, among other factors.
Collections activity

How Issuing Creditors Operate

A creditor is a financial institution that loans money, but for some a loan can be a lot. Here is a look into whether you should borrow money or not.
Debt settlement

How Debt Settlement Works

These eight steps can help guide you through the process of debt settlement.
Financial planning

How are Finance Management Apps Different from Banks & Credit Unions?

Banks and Credit Unions have been offering apps that help you with managing your account, but there are other tools out there. FinTech apps have been found to help people to familiarize with their accounts even more.
Collections activity

How Debt Buyers Operate

Debt buyers purchase debts from issuing creditors for less than the debt, so that the issuing creditor isn’t losing too much money and in order to make a profit themselves.
Credit cards

Horrifying Facts About Retail Credit Cards

Retail credit cards may seem worthwhile when you are at the store, but they come with some unfortunate disadvantages that do not always make them worth it.
Types of debt

FinTech Alternatives to Payday Loans

FinTech apps are noted to offer an alternative to payday loans while providing users with a variety of other financial tools that may be helpful.
Credit cards

Different Types of Rewards Credit Cards

There are many types of rewards credit cards that you can use for different things. The first question to ask when finding the perfect one for you is: Why do you need the credit card?