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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

How Conventional Loans Can Benefit Your Home Financing

A conventional mortgage is a popular home loan option for borrowers with good credit and the ability to make a down payment of at least 3%....

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How Credit Limits Work and How to Raise Yours

Requesting a higher credit limit on a credit card may seem intimidating, but it’s often a straightforward and efficient process. In many cas...

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How Debt Consolidation Impacts Your Credit Score

Debt consolidation offers a way to simplify debt repayment and potentially lower monthly payments, but it can have mixed effects on your cre...

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How Debt Settlement Works and When to Consider It

Debt settlement is a method of negotiating a reduction in the total amount owed to creditors. While it may offer a sense of relief for indiv...

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How Employer Credit Checks Impact Your Job Search

Employer credit checks have become a common part of the hiring process, particularly for roles involving financial responsibilities or acces...

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How First-Time Home Buyer Grants Make Florida Homes Affordable

Struggling to buy a home in Florida? First-time home buyer grants might be the solution. These programs provide financial assistance for dow...

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How Market Cap Shapes Portfolio Decisions

Market capitalization, often referred to as market cap, is a key financial metric that represents the total value of a company’s shares of s...

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How New Credit Cards Impact Your Credit Score

Applying for or opening a new credit card can have both positive and negative effects on your credit score. While it might cause a temporary...

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How Paying Off Debt Impacts Your Credit Mix

Paying off debt is often celebrated as a financial milestone, but it can sometimes lead to a surprising drop in your credit score. This coun...

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