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Home Credit 101 | Paola Bergauer
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Paola Bergauer

Paola's top posts
Fraud alert vs. credit freeze: what’s the difference?
Credit 101
Fraud alert vs. credit freeze: what’s the difference?

September 23, 2024
Do you have to file a dispute with all three credit bureaus?
Credit 101
Do you have to file a dispute with all three credit bureaus?

August 13, 2024
How to build credit as a student + 6 mistakes to avoid
Credit 101
How to build credit as a student + 6 mistakes to avoid

May 07, 2024
All of Paola's posts
Fraud alert vs. credit freeze: what’s the difference?
Credit 101
Fraud alert vs. credit freeze: what’s the difference?

Find out the difference between a fraud alert and a credit freeze so you can better understand which option might be best for you.

Paola Bergauer

September 23, 2024
Do you have to file a dispute with all three credit bureaus?
Credit 101
Do you have to file a dispute with all three credit bureaus?

A successful dispute can help raise your credit score. But should you file multiple disputes at once?

Paola Bergauer

August 13, 2024
How to build credit as a student + 6 mistakes to avoid
Credit 101
How to build credit as a student + 6 mistakes to avoid

Wondering how to build credit as a student? Focus on starting early and learning good credit habits to set you up for a lifetime of good credit ben

Paola Bergauer

May 07, 2024
What is variable APR?
Credit 101
What is variable APR?

Variable APR is when your credit card has an annual percentage rate that may change based on market conditions. A non-variable APR is called a fixed rate.

Paola Bergauer

April 23, 2024
How to build credit in the U.S. as a new immigrant
Credit 101
How to build credit in the U.S. as a new immigrant

You can build credit as a new immigrant in the U.S. by getting a bank account, an SSN or ITIN and a credit card. Get more tips here.

Paola Bergauer

March 20, 2024
Why won’t my credit score go up? 10 potential reasons
Credit 101
Why won’t my credit score go up? 10 potential reasons

As you monitor your credit, you may be wondering, “why won’t my credit score go up?” Read to discover 10 reasons your credit score is stuck and how to fix it.

Paola Bergauer

March 05, 2024
How to avoid credit limit reduction + recover after a limit decrease
Credit 101
How to avoid credit limit reduction + recover after a limit decrease

Learning how to avoid credit limit reduction is key to strong financial health. Follow these five steps to maintain a good credit limit and score.

Paola Bergauer

December 05, 2023
10 tips to start building credit for your child
Credit 101
10 tips to start building credit for your child

Some great ways to start building credit for your child are to start early, add them as an authorized user and cosign on a loan. Learn credit tips here.

Paola Bergauer

September 07, 2023
What is a cosigner?
Credit 101
What is a cosigner?

Getting approved for a loan with bad credit can be hard without a cosigner. But what is a cosigner, and how can cosigning impact your financial history?

Paola Bergauer

November 14, 2022
Does your credit score affect your car insurance?
Credit 101
Does your credit score affect your car insurance?

Do you know how your credit score affects your car insurance? Learn more about auto insurance scores and how you can improves yours.

Paola Bergauer

October 11, 2022