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Financial Education From EverFi
EverFi is a free financial education platform that offers modules and tools to help you maintain control of your personal finances.
Before you apply for any type of credit, you’ll want to know how it will affect your credit score. In instances where you submit a full application for credit, a “hard” credit inquiry may be made on your credit report. Hard credit inquiries can temporarily lower your credit score by up to five points, and stay on your credit report for two years.
However, many lenders can determine your eligibility without the need for a full application and hard credit inquiry. This is through “soft” credit inquiries. These inquiries won’t affect your credit score and can be used for things such as pre-approval offers, self-credit checks, employer background checks and current creditor checks.
For a more detailed overview of “hard” and “soft” inquiries, read our blog post Hard vs. Soft Credit Inquiries: What You Need to Know.
If you have numerous debts accumulating interest and your payments have become difficult to manage, a debt consolidation loan might be of interest to you. A debt consolidation loan is a loan that you take out to cover the outstanding balances of your other debts, to pay off those debts and consolidate them into one loan payment. For more information on debt consolidation, check out our blog posts What is Debt Consolidation and How Can it Help My Finances? and The Best Tools and Tips to Consolidate Debt.