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The IRS generally has 10 years – from the date your tax was assessed – to collect the tax and any associated penalties and interest from you. This time period is called the Collection Statute Expiration Date (CSED). A variety of laws affect the CSED. More than one action or situation can change the collection … Read more

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone. If you live in … Read more

The heavy metal cards come with big annual fees, but not necessarily the benefits to match. Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our … Read more

If you’ve used Affirm or other buy now pay later (BNPL) services you may be wondering does paying off Affirm boost your credit score? The relationship between Affirm and your credit is complex. Affirm does not directly report payment history to credit bureaus like Experian, Equifax, and TransUnion. So simply using Affirm does not automatically … Read more

This content may include information about products, features, and/or services that SoFi does not provide and is intended to be educational in nature. When you piggyback on someone else’s credit card, you become an authorized user on their account. Usually, this is in service of establishing credit for the first time or building your credit … Read more

A charge-off can remain on your credit report for seven years from the date the creditor charged off the debt. A charge-off, which appears on your credit report after a lender or other creditor gives up trying to collect a debt you owe, remains on your credit report for seven years. Lenders view charge-offs as … Read more

You can repair your credit by yourself for free or pay a credit repair company to help you Repairing your credit doesnt cost anything if you do it yourself. If you hire a credit repair company to assist you, however, youll have to pay fees that typically range from $50 to $100 per month, although … Read more

You’re ready to buy a car, but first you need to figure out the right way to finance it. The good news is that you have options: You can get your car loan from a bank or credit union, or you could go through the dealer. Both have their benefits and considerations, and it’s best … Read more

As a 1099 contract worker, you may wonder if you can qualify for an auto loan to buy a car, since you don’t have a regular W-2 salary and paystub. The good news is, yes you can definitely buy a car with a 1099! However, the process is a bit different than it is for … Read more