Blogs & Articles
Insights, tips, and stories to help you make smarter financial choices, stay updated with Stashfin's latest news and ideas.
How a Hard Inquiry Affects Your Credit Score
Every time you apply for a loan or credit card, a hard inquiry is recorded on your credit report. This page explains exactly how much a hard inquiry affects your score, how long the impact lasts, and what you can do to minimise it.
Average Credit Score by Age: How Do You Compare?
Credit scores tend to follow a pattern across different stages of life. This page breaks down typical credit score benchmarks by generation — Gen Z, Millennials, Gen X, and Boomers — and explains why age and experience with credit are closely linked.
Credit Score Needed for a Personal Loan in 2026
Your credit score is one of the most important factors lenders evaluate before approving a personal loan. This page outlines the score ranges that typically correspond to different loan tiers, what lenders look for beyond the number, and how to improve your chances of approval.
How to Get a 850 Credit Score: Tips from the "Perfect" Club
Achieving a perfect or near-perfect credit score is rare, but the habits that drive it are learnable. This page breaks down the strategies consistently practised by top credit achievers and what it actually takes to reach the highest score tier.
Why Did My Credit Score Drop After Paying Off a Loan?
Paying off a loan feels like a financial win — and it is. So it can be genuinely confusing to check your credit score shortly afterward and find it has gone down. This page explains exactly why this happens, how significant the drop typically is, and why it is almost always temporary.
How Medical Debt Impacts Your Credit Score in 2026
Medical expenses can be unexpected, significant, and difficult to plan for — and when they go unpaid, they can find their way onto your credit report. This page explains how medical debt is treated in credit scoring in 2026, what recent rule changes mean for borrowers, and how to protect your score if you are dealing with outstanding medical bills.
