Steady
With millions of jobs refreshed daily, the Steady app allows you to:
- Find full-time, part-time, or anytime work
- Get recommendations on how to increase your income
- Apply for emergency cash grants
UnidosUS
We’ve partnered with UnidosUS to bring you free financial coaching. Trained coaches can help you:
- Understand your credit report
- Set financial goals
- Establish a budget and stick to it
SpringFour
SpringFour helps save you time and money by connecting you to local nonprofit and government resources that can help you in many ways:
- Pay less on monthly bills
- Save money on food and childcare
- Access free or low-cost healthcare
A+ rating by the Better Business Bureau (BBB)
Best consumer lending product by Fintech Breakthrough
CDFI certified by the U.S. Treasury Department
Tools & learning
Questions
Credit scores try to estimate the likelihood that a borrower will pay back debts on time. There are many types of credit scores developed by different companies, but the FICO® score, developed by Fair Isaac Corporation, is one of the most commonly referenced credit scores.
According to Fair Isaac Corporation , your FICO® credit score is a number between 300 and 850, and is calculated by a formula that takes into account the following factors:
- Payment history (35%)
- Amount owed (30%)
- Length of credit history (15%)
- Credit mix (10%)
- New credit (10%)
Your reported credit activity is what makes up your credit history. The details about the credit accounts you have (the balances you owe on them and whether or not you’ve made your payments on time) are reported to credit bureaus to help you build credit history.
While you work on building your credit history, it’s important to make your loan and/or credit card payments on time. Missed or late payments can negatively impact your credit score.
There are three nationwide credit reporting agencies, also called credit bureaus: Experian, TransUnion, and Equifax. These companies collect financial and other data about users, which is recorded in credit reports and used to create credit scores. Each bureau does not collect the exact same information, so a person can actually have multiple credit scores, including multiple FICO® credit scores.
Overall really nice service recommend