Monica Bulnes - Hello Genius

About Monica Bulnes

Monica Bulnes is a business writer based out of San Diego, California. Monica received her business education from the top #7 best business school in the country, Rutgers University. She has worked in numerous marketing departments, including major multinational conglomerate, Panasonic. Her passion for personal finance and financial literacy is an extension of her passion for health and wellness. Monica truly believes that financial health is just as important as physical and mental health, considering the important role money plays in each and every person’s life. In her free time, you’ll find Monica inspiring the world through Instagram, writing in her journal, or sketching palm trees at the beach. To learn more about Monica and her writing, find her at www.writingbymonica.com.

What is a Debt-to-Income Ratio

Monica Bulnes2023-10-19T23:26:51+00:00November 10, 2022|Credit|

If you're planning to apply for a loan or credit card, there’s key information you’ll need before you begin. ...

What is a Good Credit Score?

Monica Bulnes2022-11-10T04:18:27+00:00November 10, 2022|Credit|

If you ever need to borrow money – for a mortgage, a car loan, or even a credit card ...

How to Read Your Credit Report & What to Look For

Monica Bulnes2023-10-17T00:00:16+00:00November 10, 2022|Credit|

If you can’t remember the last time you checked your credit report, here’s your wake-up call – your credit ...

How Is My Credit Score Calculated

Monica Bulnes2022-11-10T03:34:17+00:00November 10, 2022|Credit Monitoring|

Your credit score plays and extremely important role in your financial life. How much credit you get approved to ...

Your Credit Report and Credit Score Are Two Different Things

Monica Bulnes2022-11-10T00:48:03+00:00November 9, 2022|Credit Repair|

You might have heard the terms credit report and credit score being tossed around, but what exactly do they ...

The 3 Main Credit Bureaus: Who They Are and How to Contact Them

Monica Bulnes2023-10-19T23:15:30+00:00November 9, 2022|Credit Repair|

When information changes with your credit accounts, lenders have to inform the credit bureaus. Credit bureaus then use this ...

3 Ways to Check Your Credit Score for Free

Monica Bulnes2022-10-10T22:20:21+00:00October 10, 2022|Credit Monitoring|

Some services charge a fee to check your credit score, but there are a few ways to get a ...

How to Calculate Your Credit Utilization Ratio and 3 Ways To Improve It FAST

Monica Bulnes2023-10-19T23:20:37+00:00October 10, 2022|Credit Monitoring|

Finances can be tough, and wrapping your head around words like ‘credit utilization ratio’ can take time and practice. ...

What Is a Payment History and Why It Is So Important?

Monica Bulnes2022-09-19T21:47:06+00:00September 19, 2022|Credit Monitoring|

You know you’ve entered the world of adulting when words like payment history, credit score, and credit repair start ...

What Is a Hard Inquiry on Your Credit Report?

Monica Bulnes2023-10-19T23:14:00+00:00September 19, 2022|Credit Monitoring|

You may know that hard inquiries can be bad for your credit score in certain cases. However, hard inquiries ...

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