Exceptionally Black

My name is Toni, and I am the founder of ExceptionallyBlack.com. I am a mother, wife, and Accountant. I am not a writer, but I am passionate about sharing information that will help those in the African American community. You can learn more about me by reading the "Founder's Blog".
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What is a Mortgage Loan? – A Beginner’s Guide

Last Updated: March 10, 2024 If anyone were to ask what the basic necessities of life are, most people would respond with "food, water, and...

What is a FICO Score?

There are several different credit scoring models. However, more than 90% of creditors use the FICO score. Therefore, it is vital to know and...

4 Things I Wish Someone Told me About Credit Cards

There are four main things that I wish someone had told me about credit cards years ago. To get right into the reading, feel...

FHA Loan Information 2022

An FHA loan is a mortgage loan insured by the Federal Housing Administration (FHA). FHA loans have more lenient income and credit requirements than...

A Black Person’s Guide to Used Car Buying

Owning a car provides flexibility and convenience that you cannot get from public transit, carpooling, or even riding a bike. However, Rising vehicle prices...

What Makes Up Your Credit Score?

It is no secret that many people struggle to obtain and keep a good credit score. Credit scoring is not something we learn in...

The Most Important Date On Your Credit Card is NOT the Due Date

Credit cards are great for establishing credit or improving your credit over time. However, if you do not understand how credit cards work, you...

Retirement or Starbucks?

Are you living from paycheck to paycheck?  Do you think that you cannot afford to have any extra money taken out of your paycheck? ...

Must read

Progress denied?

As February draws to a close, the question remains...

How to Increase Your Credit Score

A poor credit score can significantly hinder your ability...
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