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FIRST ALLIANCE BLOG

Gain financial control when you explore our library of articles. We cover topics from paying off debt and credit scores, to saving money and budgeting. Subscribe today so you never miss out on a money tip!

Loans & Credit

couple reviewing bills and credit card payments affecting credit score

7 min read

What Impacts Your Credit Score Most?

The biggest factors that impact your credit score are payment history, credit utilization, length of credit history, credit mix, and recent credit...

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man sitting on couch reviewing credit score and paperwork on phone

8 min read

How Credit Scores Affect Loans, Rates, and More

Your credit score can affect much more than whether you qualify for a loan. It can influence the interest rate you receive, how much you pay each...

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Fico score chart

6 min read

Using a Credit Builder Loan for Rebuilding Credit

A Credit Builder Loan helps people establish or rebuild credit by reporting on-time payments to the credit bureaus while the loan funds are held in a...

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manufactured home

4 min read

What’s the Difference Between a Manufactured, Mobile, and Modular Home?

If you've been researching affordable ways to become a homeowner, you've probably run into the terms mobile home, manufactured home, and modular...

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man in blue looking at computer a bit stressed out

5 min read

Does an Overdraft Line of Credit Affect Your Credit Score?

Does an overdraft line of credit affect your credit score? Yes, but not in the way most people expect. Because an overdraft line of credit is an...

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manufactured home

5 min read

How to Qualify for a Manufactured Home Loan: What Buyers Need to Know

Manufactured homes have become one of the most practical paths to homeownership, especially for buyers who want a lower price point without giving up...

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man with long brown hair looking stressed at a computer

6 min read

How to Recover After Missing a Loan Payment

Recovering after missing a loan payment is something thousands of borrowers do successfully every year. It takes a clear head, a few intentional...

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woman with blonde hair holding cell phone and credit card

6 min read

How Credit Card Interest Works and How to Avoid Paying It

Most people know credit card interest exists. What trips people up is the part nobody explains clearly: when exactly it kicks in, how it quietly...

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man with glasses on looking concerned looking at computer while on phone

5 min read

Missed a Loan Payment? What to Do Next

Life does not always go according to plan, and sometimes a payment slips through the cracks. Maybe your paycheck came in late, an unexpected bill...

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couple hugging after purchasing a car

5 min read

Can I Finance a Car Bought From a Private Seller?

Yes, you can finance a car bought from a private seller. It works differently than buying from a dealership, but it is absolutely possible, and for...

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