Blog: Adam He

The High Cost of Bad Credit, and How to Fix It

By Adam He on 7/27/2017

Credit has become a huge part of both corporate and personal finance. Ignoring its importance is like refusing to exchange currency to trade in a foreign land. If you want to buy and sell freely, having the right currency is a must.

How Costly Is Bad Credit? Many Don’t Know, Survey Shows

By Adam He on 7/25/2017

Good credit is important for many reasons beyond qualifying for the best loan rates. And the very first step in building it is knowing your starting point. But a NerdWallet survey finds that while more than a quarter of Americans (26%) check their credit scores monthly or more often, nearly 1 in 8 (12%) have never checked their scores.

How to Help Your Kid Get a Credit Card in College

By Adam He on 7/20/2017

Once the graduation confetti settles, you should mentally add “help your kid get a credit card” to your parental pre-college checklist. But getting a credit card at age 18 isn’t as easy as it was when you were in college.

How Immigrants Can Build Credit Without Accumulating Debt

By Adam He on 7/19/2017

Building credit is the all-important first step to qualifying for financing options such as auto loans and mortgages. But for some immigrants, the concept of credit is synonymous with debt, says Silvana Delgado, an advisor at the Hispanic Center for Financial Excellence.

10 Money Mistakes College Students Should Avoid

By Adam He on 7/14/2017

College is the first time many teenagers are in charge of their own finances, which can be a recipe for mistakes. If you’re going to college soon, are in college or have kids in college, read on to learn more about the solutions to the 10 common money mistakes college students make.

Managing and Rebuilding a Poor Credit Score

By Adam He on 7/12/2017

Have you tried to take out a loan lately? Open up a credit card account? Buy a house?  Then you should be familiar with your credit score.  However, at least 11-percent of Americans say they have never checked their credit score.

How Much A Bad Credit Score Will Cost You

By Adam He on 7/10/2017

If you borrow judiciously and have a good repayment record, chances are your credit score will be higher than average. If you're a deadbeat, your score will be lower -- and it will cost hundreds of dollars in terms of higher borrowing costs.

‘Gen Z’ Off to Strong Start With Credit, Analysis Shows

By Adam He on 7/6/2017

The oldest members of “Generation Z” have barely crossed the threshold into legal adulthood, but they’re already demonstrating financial prowess, according to an analysis released this week by the Experian credit reporting bureau.

eCredable review from HighYa

By Adam He on 6/23/2017

Our CEO Steve Ely recently sat down with HighYa to talk about eCredable. Here's what they've concluded about our company.

Drivers With Poor Credit Pay Higher Insurance Rates in Most States

By Adam He on 6/22/2017

Your credit rating may not seem to have much to do with your driving, but it’s a big deal to your auto insurer.