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Your credit score might just be a number, but it holds a lot of power over your financial future. Whether you’re buying a home, getting a new car, or simply securing better interest rates on loans, your credit score can make or break those plans. Even though I didn’t learn Read more…
As a fellow Hispanic on this journey, I know how deeply our culture values hard work, resilience, and family. But many of us, myself included, didn’t grow up talking about credit scores, savings, or investing. Hispanic Heritage Month is the perfect time to reflect on more than just our culture. Read more…
Before I started routinely checking my credit, I believed the myth that checking it would hurt my credit score. This is because I didn’t know the difference between a soft and hard credit check. (We discuss what actually affects your score here). Soft Credit Check A soft credit check, also known Read more…
When I first started learning about personal finance, one of the most confusing and intimidating topics was credit. What exactly is it, and why does it seem to affect so many areas of our lives? I knew having a high score was a good thing, but I didn’t understand how Read more…
In this post, we’ll break down what influences your credit score using a fun and simple analogy — making a refreshing guava and strawberry agua fresca. Just like every ingredient adds to the flavor, different factors impact your credit score. Let’s deconstruct the recipe and see how each element of Read more…
Historically, we tend to talk about “compound interest” as a positive concept when saving money. This post focuses on the other side – the negative power of compound interest. We will speak to the crippling impact of compound interest when taking on debt, using credit cards as an example. How Read more…
What does annual percentage rate (APR) mean? It represents the yearly rate charged for a loan, like a credit card. When you apply for a credit card, you’ll see a section called the Schumer Box, which outlines key terms and details about the card. The box, named after a congressman, Read more…
So, you’ve heard the buzz—the Federal Reserve might be lowering interest rates again. But what does that actually mean for you? Don’t worry, we’re here to break it down in a way that won’t make your eyes glaze over. Whether you’re thinking about saving, borrowing, or investing, here’s how you Read more…
We are Dyneri. Founded by two Latina MBA students at Wharton. We launched in 2021 on Latina Equal Pay Day because of its significance to us as Latina business women. Latina Equal Pay Day is the day when Latina pay catches up to that of white men from 2020. Latinas Read more…