Recently President Biden said that a recession is not inevitable. The way that he worded his statement has caused confusion as to what’s happening in America.
The best advice I can share is to pay attention to the obvious. If you don’t like to watch or read the news on a regular basis, check in on the economy at least once a month. Especially now so that you aren’t surprised at the price increases that are across the board.
Three major credit bureaus — Experian, Equifax, and TransUnion — regularly collect information about your payment history, while your credit report contains additional details regarding your payment history, credit utilization ratio and any open and closed credit accounts.
The information in your credit report is used to calculate a three-digit credit score, which lenders then utilize to evaluate a borrower’s likelihood of defaulting on a loan.
By having a higher score, you’ll typically qualify for loans or credit products with lower interest rates and more favorable terms.
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