Most personal loan lenders prefer applicants with good to excellent credit scores, which means a FICO Score of at least 670.

Truth is, not all credit checks work the same way. Some won’t touch your score at all, while others create inquiries that stay on your report for years. Understanding how soft and hard credit pulls ...

Consumer debt continues to rise in 2025, providing no relief for cash-strapped Americans. Total nonhousing household debt exceeded $3.75 trillion in the second quarter of 2025, according to recent ...