Blogs & Articles
Insights, tips, and stories to help you make smarter financial choices, stay updated with Stashfin's latest news and ideas.
What Happens to Your Credit Score When You Die?
Death brings a set of financial and administrative responsibilities that families are rarely prepared for — including what happens to the deceased person's credit profile. This page explains how a credit file is closed after death, what happens to outstanding debts, and why acting promptly to notify relevant institutions is essential for preventing posthumous identity theft.
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.
How Co-signing a Loan Affects Your Credit Score
Co-signing a loan is an act of trust — you are lending your credit profile to help someone else qualify for financing they could not access on their own. But the credit consequences of co-signing are substantial and often underestimated. This page explains exactly how co-signing affects your credit score, the risks of shared liability, and what to consider before agreeing.
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.
How Credit Score "Shopping Rates" Windows Work
Comparing loan offers from multiple lenders is sound financial practice — but many borrowers worry that each application will generate a separate hard inquiry and damage their credit score. Rate shopping windows exist precisely to address this concern. This page explains how the inquiry de-duplication mechanism works, what the actual time windows are, and how to use them to your advantage.
