Debt Consolidation Benefit Estimator: Learn how a lower score and APR affect payoff speed and savings
Debt Consolidation Benefit Estimator: Learn How a Lower Score and APR Affect Payoff Speed and Savings The Debt Consolidation Benefit Estimator helps consumers visualize the true impact of consolidating high-interest debts into a single, lower-interest loan—especially when driven by Middle Credit Score® improvements. By calculating interest saved, months shaved off repayment timelines, and monthly cash […]
Mortgage Rate vs. Credit Score Tracker: Visualize mortgage rate trends by score ranges over time
Mortgage Rate vs. Credit Score Tracker: Visualize Mortgage Rate Trends by Score Ranges Over Time Buying a home is one of the largest financial decisions most consumers will make, and the interest rate attached to a mortgage can determine tens or even hundreds of thousands of dollars in lifetime cost. The Mortgage Rate vs. Credit […]
Auto Loan Rate Planner: Customize terms and see how credit improvements shift APR brackets
Auto Loan Rate Planner: Customize Terms and See How Credit Improvements Shift APR Brackets Auto loans are one of the most common types of installment debt in America, and the interest rates borrowers receive are heavily influenced by credit score tiers. The Auto Loan Rate Planner is a dynamic, interactive calculator that shows how adjusting […]
Monthly Payment Impact Calculator: Understand how a lower APR affects monthly payments on major loans
Estimator Tool Case Study: Monthly Payment Impact Calculator — Understand How a Lower APR Affects Monthly Payments on Major Loans The Monthly Payment Impact Calculator was developed to help consumers answer one critical question: “How much will I save per month if I improve my credit and secure a better interest rate?” Instead of focusing […]
Estimator Tool Case Study: Interest Rate Savings Estimator — See How Improving Your Middle Credit Score® Lowers Rates Across Loan Types
Estimator Tool Case Study: Interest Rate Savings Estimator — See How Improving Your Middle Credit Score® Lowers Rates Across Loan Types Consumers often underestimate the financial power of a single credit score tier. But even a modest improvement in your Middle Credit Score®—say, moving from 645 to 685—can create a meaningful drop in your interest […]
Case Study: How a Teacher Leveraged Their Score to Refinance $50K in Student Loans at Half the Rate
Case Study: How a Teacher Leveraged Their Score to Refinance $50K in Student Loans at Half the Rate Angela Simmons, a 35-year-old high school teacher from Sacramento, California, was burdened by $50,000 in federal and private student loans spread across five different lenders. Her average interest rate across all loans was 10.2%, and her monthly […]
Case Study: $20,000 in Interest Saved—The Power of a 700+ Middle Credit Score®
Case Study: $20,000 in Interest Saved — The Power of a 700+ Middle Credit Score® When Tyler Nguyen, a 29-year-old software engineer in Denver, Colorado, began shopping for his first home, he had a Middle Credit Score® of 682. Though this was a respectable score, Tyler knew that crossing the 700 threshold could unlock better […]
Case Study: Securing a 5.5% Mortgage Instead of 7.25% Through Credit Repair
Case Study: Securing a 5.5% Mortgage Instead of 7.25% Through Credit Repair Derek and Tasha Robinson, a married couple in their early 40s from Charlotte, North Carolina, had been renting for over a decade. In 2023, after years of steady employment and raising two kids, they were finally ready to become homeowners. They identified a […]
Case Study: From 19% to 12%- How One Borrower Slashed Their Credit Card APR
Case Study: From 19% to 12%—How One Borrower Slashed Their Credit Card APR Michelle Alvarez, a 32-year-old marketing consultant from Atlanta, Georgia, had been carrying balances on two major credit cards for over four years. When she first applied, her Middle Credit Score® was 615. Because of this score and a limited credit history, both […]
Case Study: Lowering Auto Loan APR by 6% After a Payoff and Score Jump
Case Study: Lowering Auto Loan APR by 6% After a Payoff and Score Jump In 2023, Marcus Taylor was financing a used SUV he had purchased two years earlier. At the time of purchase, his Middle Credit Score® was 621—low enough to categorize him as a subprime borrower. As a result, he was locked into […]