Pelican team member writing Credit vs. Character on paper with a Pelican pen

Credit vs Character: The Hidden Truth in Your Credit Report

For more than 40 years, most financial institutions have relied on the Fair Isaac Corporation’s credit scoring system, most commonly known as FICO, to evaluate borrowers’ creditworthiness. Credit unions and banks have even used credit scores and reports to assist them in determining whether or not to hire a potential employee. Now, over 70% of all companies use credit reports …

Pile of Money - Dolla Dolla Bills, y'all

Budgeting for Your Lifestyle

For most people, the “B” word, budget, usually suggests a strict adherence to spending a designated amount of money on a monthly basis. In other cases, being on a budget represents a sacrificial lifestyle. In either case, maintaining a budget is viewed as rigid and simply boring. It’s regarded as a spending lifestyle that has no spontaneity or planned fun …