The Radiant Blog

Posts about:

Using Credit Cards

How Your Credit Score Affects Your Mortgage Rate

When it comes to getting a mortgage, your credit score plays a bigger role than you might think. It determines the interest rate and loan terms you're offered, making it one of the most important factors in the homebuying process. To break it down, we sat down with our mortgage lending expert, Brandon, to explain how your credit score can impact your mortgage. Learn what you can do to make sure it is working in your favor. ...Read More

How to Transfer Credit Card Balance in 6 Steps & Save Money

Substantial credit card debt can be overwhelming. Between the stress of minimum payments and the higher interest rates, it doesn't take long to feel buried. Many people struggle with credit card debt and find it challenging to break free from the burden of those high-interest rates. ...Read More

Resolve in 2024: (Re)build Your Credit

Facing Credit Challenges in the New Year As we step into 2024, addressing and improving our credit situation is a common resolution for many. Dealing with bad credit or a less-than-ideal credit history can be daunting, but it's important to remember that there are effective strategies to turn things around. In this post, we’ll explore two viable options for building credit: credit builder loans and share secured loans, both offering unique advantages depending on your circumstances. ...Read More

Building Your Credit With a Secured Credit Card

Good credit lets you unlock the best interest rates on all kinds of financing, from personal loans to auto loans, home loans, and credit cards. But what can you do if your credit score isn’t so great at the moment? ...Read More

Guide to Credit Card Balance Transfers

Transferring the balance of your high-interest credit card to a low-interest credit card is often a great way to save on interest and reduce financial stress. Plus, if you transfer multiple balances, you’ll be able to budget more easily with a single monthly payment. ...Read More