The WJA Blog
Recent Articles and Stories
So You’re an Entrepreneur Now – What is a Good Credit Score for Starting a Business?
Your personal credit score directly determines what business funding you can access and how much it costs. Poor credit can mean the difference between getting affordable bank loans or being stuck with expensive alternative lenders.
A Complete Credit Glossary for Strong Financial Literacy
A complete credit glossary with terms that will help you understand your financial health. A strong credit vocabulary is important.
Does a New Credit Card Improve Your Credit Score?
Opening a new credit card can lower utilization, build payment history, and improve your credit score over time—if managed responsibly and strategically.
Charge-Off Reporting Every Month – How to Stop the Ongoing Damage to Your Credit Score
Recurring charge-off reporting can drag down your credit score. Learn how it happens, why it continues, and the steps you can take to stop the ongoing damage.
Paying Off Collection – Why Your Credit Score Might Drop Before It Rises
Paying off a collection can temporarily lower your credit score. Learn why this happens, how scoring models differ, and what steps help your credit recover over time.
Does Rent Reporting Raise Your Credit Score?
Wondering, “Does rent reporting raise credit score?” Discover how reporting your on-time rent payments can build credit history and potentially boost your score—especially if you have limited credit.