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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Tackling Credit Report Errors: What You Need to Know

Errors on your credit report can impact your financial opportunities, such as obtaining loans or credit cards and the interest rates you pay...

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Tips for Navigating Rental Credit Screenings

When searching for a rental property, understanding how landlords check your credit can make all the difference. Rental credit checks are a...

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Trim Your Cable Costs: Effective Budget-Friendly Tips

Cable bills can be a strain on your budget, often increasing unexpectedly. However, there are practical strategies to take control and reduc...

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Understanding and Managing Your Credit Utilization Ratio

Understanding and managing your credit utilization is key to maintaining a healthy credit score. By staying below the recommended threshold...

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Unlocking Savings: Tips for Negotiating Monthly Expenses

Negotiating bills can be a valuable way to save money on recurring expenses like cable, internet, and phone services. With a little research...

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Voluntary Repossession: Pros, Cons, and Next Steps

Voluntary repossession, also known as voluntary surrender, is a process where individuals return their vehicle to the lender when they can n...

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What to Do With Your Credit Cards When You’re Laid Off

Layoffs often strike without warning, leaving individuals grappling with financial challenges. For many, this means figuring out how to hand...

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What You Need to Know About Credit Reports

Understanding how to read your credit report is essential for monitoring your financial health, spotting errors, and identifying potential i...

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When and How to Refinance Your Personal Loan

Refinancing a personal loan can help borrowers lower interest rates, reduce monthly payments, or adjust loan terms to fit their financial go...

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