News

Building Credit for the First Time

As a young adult, you may be eager to establish credit to allow you to get the things you want and need in life.

Why Credit Scores and Credit Limits Are Not Associated

We have been writing about how credit decisions are made over the past few days, in hope of giving you a better understanding of why disparities in credit terms and limits show up between two people when they seem to have a similar credit profile on the surface.

The Difference Between Joint Credit and Authorized Users

There was recently a case where a person received a fraction the credit limit of their spouse, even though the couple had been married for many years and filed joint tax returns.

What to Do About Credit Limit Disparity

There have recently been complaints of disparity in the credit decisioning process for a new credit card product.

Deciphering the Apple Card Situation

Claims were recently made by a Twitter user that the computer algorithm which determines the credit limit for the new Apple Card is biased, causing someone to receive a much lower credit limit than her husband.