Matt Popyack Matt Popyack

How Credit Utilization Affects Your Score

Utilization is one of the biggest pieces of your credit score, and one of the most misunderstood. Here's what it actually measures, and why "keep it under 30%" isn't the whole story.

Read More
Matt Popyack Matt Popyack

Travel Nurses and Buying a Home

Contract-based income and frequent moves raise real questions when you're trying to qualify for a mortgage. Here's what lenders actually look at.

Read More
Matt Popyack Matt Popyack

Preparing Your Credit for a Mortgage

A realistic timeline for getting your credit mortgage-ready, broken down by what matters twelve months out, six months out, and in the final thirty days.

Read More
Matt Popyack Matt Popyack

Understanding Collections

A collection account on your report isn't the end of the story. Here's what it actually means, how long it sticks around, and what to ask before paying one off.

Read More
Matt Popyack Matt Popyack

Credit Myths, Debunked

Closing an old card helps your score. Checking your own credit hurts it. Neither is true, and we go through why, one myth at a time.

Read More