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This blog is curated by the team at Experian Business Information Services. Here, you can access valuable business insights and learn about credit education, along with the latest news and trends for small businesses.

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FHA Cash-Out Refinance Guide

3 days ago | experian.com | Ben Luthi

Should You Get an FHA Cash-Out Refinance? An FHA cash-out refinance can be a powerful tool if you're looking to tap equity but don't meet the stricter requirements of a conventional loan. It may offer the best shot at cash flow for homeowners with less-than-stellar credit or limited savings. However, if you have great credit, you may be able to borrow more and get better terms with a conventional cash-out refinance loan.
How Much Will My Insurance Go up After a Speeding Ticket?

6 days ago | experian.com | Ben Luthi

How Much Does Your Insurance Go up After a Ticket? The impact of a speeding ticket on your car insurance rate can vary. Having a clean driving record (no incidents or violations) can help. In some instances, a single speeding ticket over a three-year period may not translate to a rate hike at all. However, multiple tickets during that same period will typically translate to a higher premium.
How to Buy and Sell a House at the Same Time

6 days ago | experian.com | Ben Luthi

Buying and selling a house at the same time can be daunting for many homeowners. However, with a strategic approach, it's possible to accomplish your objectives and stick to your timeline. If you're planning to buy a new home and sell your current one simultaneously, here are some steps you can take to ensure a smooth process. 1. Review Your Financial SituationYou'll incur a variety of expenses while buying and selling a home, so it's important to make sure that your finances are in order.
Experian Index Falls Modestly in April

1 week ago | experian.com | Gary Stockton

by Small Businesses showing fiscal discipline and resilience amid changing conditions. April 2025Index Value (Apr):43.2Previous Month:47.2MoM:-4.0YoY:-11.9(Apr 2024 = 55.1)April marked the first month reflecting the impact of the broad tariffs announced on April 2nd. While the index experienced a decline, the decrease was modest due to the continued resilience of the U.S. economy.
Experian Q1 Main Street Report

1 week ago | experian.com | Gary Stockton

Navigating Credit and Policy CrosswindsExperian is very pleased to announce the release of the Q1 2025 Main Street Report. Watch Experian’s deep dive on small business performanceIn this one hour webinar, Experian shares key findings from our Main Street report:Small business performance strong in the face of significant challenges:As economic crosswinds continue into 2025, Experian’s Q1 Main Street Report offers a sharp lens into the evolving risk landscape for U.S. small businesses.
Do CDs Pay Interest or Dividends?

1 week ago | experian.com | Gayle Sato

Interest Rate vs. Dividend RateInterest rates on CDs and dividend rates on share certificates are basically the same thing. Both terms refer to the annual return on your deposit. With both CDs and share certificates, the return you receive is predetermined when you open your account. CDs pay a return over a fixed period of time: For example, a 12-month CD might pay a 4.00% return at the end of one year.
6 Personal Loan Requirements to Know Before You Apply

1 week ago | experian.com | Brianna McGurran

6. Potential Origination FeeAlthough it's not a part of the qualification process, some lenders charge an origination fee to process a personal loan. Origination fees, which can range from 1% to 10% of the loan amount, pay for the lender's administrative expenses like verifying your application documents. But with good or excellent credit, you may be able to avoid an origination fee by qualifying for a loan that doesn't charge one.
Should Your First House Be a Condo?

1 week ago | experian.com | Karen Axelton

Pros and Cons of Buying a CondoPurchasing a condo as your first home has both benefits and downsides. More affordable: Condominiums usually cost less than comparable homes, meaning a smaller down payment, mortgage and property taxes. The median sale price of a condo in the U.S. is $361,508, compared to $456,404 for a single-family home, according to April 2025 data from Redfin. Less hassle: You don't have to worry about maintaining a yard, pool or roof as you would with a standalone house.
What Is Precomputed Interest on a Car Loan?

1 week ago | experian.com | Karen Axelton

Quick AnswerPrecomputed interest auto loans calculate and fix the monthly interest payments at the start of the loan term. Unlike simple interest auto loans, reducing your principal balance on a precomputed interest loan won’t affect your interest payments. Precomputed interest on a car loan is interest that is calculated and allocated to monthly payments at the time your loan term begins. Interest payments will be biggest at the start of your auto loan term and gradually shrink as time goes on.
Rent-to-Own Homes: How It Works

1 week ago | experian.com | Marianne Hayes

Quick AnswerA rent-to-own agreement allows you to rent for a predetermined amount of time before purchasing the home. During your rental period, a portion of your monthly payments will likely be set aside for your down payment. Saving for a home down payment, qualifying for a mortgage and covering closing costs isn't always easy. A rent-to-own home allows you to pay rent for a predetermined amount of time before buying the home when the rental period ends.