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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

How ChexSystems Affects You and How to Open a Bank Account Anyway

If you've been denied a bank account, it might be due to being reported to ChexSystems, a consumer reporting agency that tracks banking hist...

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How Compound Interest Boosts Your Savings Over Time

You can use a compound interest calculator to quickly see what you’ll earn with a given APY. APY, or annual percentage yield, represents the...

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How Co-Signing a Credit Card Can Affect Your Credit Score

Being a co-signer on a credit card application can seem like a helpful way to support a friend or family member in need. However, it carries...

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How Credit Scores Are Changing: Insights and Trends

Credit scores are an important measure of financial health, reflecting how individuals manage their credit obligations. As of October 2023,...

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How Credit Union Shared Branching Expands Your Banking Options

Shared branching is a service offered by many credit unions that allows members to conduct banking transactions at other participating credi...

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How Credit Utilization Impacts Your Score—Not the Number of Cards

Many people mistakenly believe that having too much credit can harm their credit score. However, leading credit scoring models like FICO and...

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How Debt Is Handled After Death: What You Need to Know

When someone dies, their debts typically don’t vanish into thin air. Instead, responsibility for settling these debts falls to the deceased...

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How Disability Insurance Works — And How to Get Covered

Disability insurance protects your income if you're unable to work due to an illness or injury. Whether you're young and healthy or working...

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How Diversification Helps Protect Your Investment Portfolio

Diversification is one of the most effective strategies to manage investment risk while still pursuing returns. It involves spreading your m...

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