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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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What Is a Pension Fund?

1 week ago | experian.com | LaToya Irby

How Does a Pension Fund Work? Pension funds are sponsored by employers, typically large corporations, government agencies and school systems. Depending on the plan, both employees and employers may contribute to the fund on a regular basis. Contributions may be mandatory or voluntary and are pooled into a professionally managed investment fund.
What Is a High-Yield Savings Account?

1 week ago | experian.com | Marianne Hayes

Quick AnswerHigh-yield savings accounts offer above-average interest rates. That can help your money grow faster, and many come with low or no fees. Online banks tend to have the highest APYs.As the name implies, high-yield savings accounts offer higher interest rates than traditional savings accounts. That can allow your money to grow a little faster without exposing you to investment risk—and the more you deposit, the more you stand to earn.
Uncertainty fueling entrepreneurial activity

1 week ago | experian.com | Gary Stockton

Commercial Pulse Report | 6/17/2025Economic uncertainty is often seen as a deterrent to growth, but for many Americans, it’s become the fuel for a fresh start. As inflation wavers and traditional employment structures shift, more individuals are stepping out of corporate roles to pursue business ownership. In this week’s Commercial Pulse Report, we take a closer look at what’s driving this wave of entrepreneurial activity.
Fiduciary vs. Financial Advisor: What’s the Difference?

1 week ago | experian.com | Aly J. Yale

Quick AnswerA fiduciary is a professional who manages assets for other parties and is required to act in their clients’ best interests. A financial advisor is someone who provides finance-related guidance and can have a number of credentials or specialties. A financial advisor may also be a fiduciary, but that’s not always the case. When you need help in your financial life, there are several professionals you might seek guidance from. Fiduciaries and financial advisors are two of them.
Tips for First-Time Homebuyers: What You Need to Know

2 weeks ago | experian.com | Marianne Hayes

Home-Shopping Tips for First-Time Homebuyers Housing inventory can fluctuate and will depend largely on whether it's a buyer's or seller's market. Having said that, here are some tips that can make finding a home a little easier. An experienced real estate agent can be one of the most important people on your homebuying team. They should be familiar with housing trends in your area, which can help you make a competitive offer that's aligned with your budget.
What Is the CMT Rate?

2 weeks ago | experian.com | Marianne Hayes

Quick AnswerThe Constant Maturity Treasury (CMT) rate is based on the average yields of different U.S. Treasury securities. Many mortgage lenders use the CMT rate when determining what rates to offer on adjustable-rate mortgages. If you have an adjustable-rate mortgage, or are planning on getting one, the Constant Maturity Treasury (CMT) rate could affect your monthly payment. That's because many lenders use it when calculating their rates for variable-rate mortgages.
How Do Fannie Mae and Freddie Mac Loans Work?

2 weeks ago | experian.com | Ben Luthi

Quick AnswerFannie Mae and Freddie Mac purchase eligible conventional loans from lenders, reducing the risk to lenders and helping make home loans more affordable for borrowers. Fannie Mae and Freddie Mac are large government-sponsored enterprises (GSEs) that guarantee most home loans made in the U.S. They were designed to make mortgages more affordable for homebuyers, though they don't offer mortgage loans directly.
What's the Difference?

2 weeks ago | experian.com | Ben Luthi

Quick AnswerCDs are savings accounts that pay a stated interest rate for a specified period of time, while Treasury bills are short-term government securities sold at a discount and redeemed at face value when they mature. Certificates of deposit (CDs) and Treasury bills (T-bills) are both considered safe investments. However, they differ greatly in how they provide returns. A CD is a deposit account that pays a fixed interest rate over the account's term.
Should I Use a HELOC to Pay Off Credit Card Debt?

2 weeks ago | experian.com | Aly J. Yale

Quick AnswerA HELOC can be a smart way to pay off credit debt for some homeowners, but it also comes with risks to consider. It may not be right if you worry about making your payments on time or you may be tempted to rack up debt again. When you own a home, you build equity as your property gains value and you pay down your mortgage. If you build enough equity, you can borrow from it using various financial tools, like a home equity line of credit (HELOC).
Could Closing a Bank Account Affect My Credit?

2 weeks ago | experian.com | Ben Luthi

How Closing a Bank Account Can Affect CreditWhile the act of closing a bank account won't impact your credit on its own, it's possible for it to indirectly impact your credit in these situations:If you close the account with a negative balance and don't pay off the debt you owe in a timely manner, the bank or credit union could send it to a collection agency.