Blogs & Articles
Insights, tips, and stories to help you make smarter financial choices, stay updated with Stashfin's latest news and ideas.
How to Dispute a Collection on Your Credit Report
A collections entry on your credit report is one of the most damaging things that can appear on it — and one of the most contested. Whether the collection is inaccurate, outdated, or simply being reported incorrectly, you have the right to challenge it. This page explains the dispute process, how to deal with third-party debt buyers, and strategies for removing or minimising the impact of collections on your score.
Does Your Salary Affect Your Credit Score?
One of the most persistent misconceptions about credit scoring is that a higher salary leads directly to a higher credit score. The truth is more nuanced — and understanding the distinction between what affects your score and what affects your loan eligibility is essential for anyone trying to manage their credit profile effectively.
How Foreclosure Impacts Your Credit Score Timeline
Foreclosure is one of the most severe credit events a borrower can experience, and its impact on a credit score is both immediate and long-lasting. This page explains what foreclosure does to your score, how long the damage persists, and the practical steps for beginning a genuine credit recovery once the process is complete.
How to Fix a Credit Score That Has Stalled
You have been paying on time, keeping balances low, and doing everything right — yet your credit score has barely moved in months. A stalled score is one of the more frustrating experiences in credit management, and it is more common than most people realise. This page explains why scores plateau and the specific tactics that can break the stall when the basics are no longer enough.
Credit Score Requirements for SBA Business Loans
When a business owner applies for a government-backed or institutional business loan, their personal credit score often plays a larger role than they expect. This page explains how personal and business credit intersect in business lending decisions, what score thresholds lenders typically look for, and how to prepare both profiles before applying.
Credit Score Needed for the Best Insurance Rates
Most people know that a credit score affects loan approvals and interest rates — fewer realise it can also influence what they pay for insurance coverage. In markets where insurers use credit-based scoring, your financial profile can directly affect your premiums. This page explains how credit scores interact with insurance pricing, what score range is associated with the best rates, and how this practice is evolving.
