Credit

Credit reporting, consumer readiness, debt, and the decisions that shape financial access.

Credit Card Delinquency Hits Highest Level Since the Great Recession

Credit card delinquency just hit its highest level since the Great Recession — nearly 13% of balances are seriously past due. Here's what's driving it and what it means for your own debt.

Home Equity Agreements Face New Scrutiny Over Long-Term Costs

A new Massachusetts class-action lawsuit alleges that Unison home equity agreements marketed with no interest or monthly payments created unexpectedly large settlement obligations. Here's how home equity agreements work, the risks consumers should understand, and what to compare before using home equity for cash.

Renters prioritize credit readiness ahead of homebuying plans

More first-time buyers are treating credit profile maintenance as a pre-purchase milestone, not a last-minute mortgage requirement.

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Disclaimer: The content on this site is for informational purposes only and does not constitute legal or financial advice. Copiafy is not a law firm, credit counseling agency, or licensed financial advisor. Information provided is general in nature and may not apply to your individual circumstances. For advice specific to your situation, consult a qualified attorney or financial professional. Results from credit disputes vary and cannot be guaranteed.