Author

Ashok Kumar

Ashok Kumar is the founder and lead researcher at CreditPur.com, a US credit card and personal finance education resource. With 2 years of experience studying US consumer finance, credit regulations, and the Credit Card Act, Ashok specializes in translating complex financial regulations into plain English for everyday readers. Every article on CreditPur is built on primary sources from the CFPB, Federal Reserve, and Congressional Research Service.

12 Articles

Illustration of a credit score gauge showing a score of 750 out of 850, representing how credit scores are calculated in the US

How Credit Scores Are Calculated — A Complete Guide (2026)

By Ashok Kumar

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12 Min Read

Introduction Three digits. That’s all it takes to shape whether a mortgage gets approved, what interest rate a lender offers, or even whether a landlord hands over the keys to an apartment. Credit scores are among the most consequential numbers in…

Professional credit card representing a complete educational guide to credit cards in the United States

What Is a Credit Card? A Complete Educational Guide for US Consumers

By Ashok Kumar

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11 Min Read

Introduction Few financial tools have shaped everyday American life quite like the credit card. Walk into any store, book a flight, or shop online, and there’s a strong chance a credit card is involved somewhere in the transaction. Yet despite how…

Ashok Kumar

How Credit Scores Are Calculated — A Complete Guide (2026)

What Is a Credit Card? A Complete Educational Guide for US Consumers

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