Resources

Credit Resources

Straightforward explanations of the products, requirements and mechanics behind credit reporting — written without hype.

Fundamentals

What a tradeline actually is

A tradeline is any credit account that appears on a credit report. Learn what data is reported each cycle, and what it does and does not mean for a score.

Choosing between consumer tiers

How reported amount, installment size and finance charge interact — and why the largest tier is not automatically the right one.

Preparing your entity for business credit

Entity registration, EIN, address consistency and authorized representative documentation before you apply.

Getting through identity verification the first time

How to photograph a driver's license, what makes a selfie fail liveness checks, and which documents specialists request most often.

How monthly payments and finance charges work

Your monthly payment is the installment plus an equal finance charge. See how that is scheduled, processed and receipted.

How we protect identity documents

Private storage, permission-controlled staff access, audit logging and why we never keep raw card data.