Everyone wonders how a credit score is calculated. Would it surprise you to know that you actually have many, many scores? That is a scary thought because most people have no idea what goes into a … [Read more...] about How Is My Credit Score Determined?
Your credit report is the foundation of your financial health. And, having a poor credit score can limit your ability to get a credit card, a loan, or even a job. So, if your credit score starts to … [Read more...] about 5 Easy Steps To Help You Restore Your Credit Score
Are you wrecking your credit without even knowing it? Your personal credit is important, as a good credit score can help you get the loans you need for important life purchases, such as a new car … [Read more...] about The Most Common Mistakes With Credit
Understanding your credit score is like peeling an onion. Under the first layer is another layer and under that is another, and so on. In addition, by the time you're done peeling it, you sometimes … [Read more...] about Understanding Your Credit Utilization Rate and How to Improve It
Like it or not, your credit report provides a window into your financial life to see if you're worthy of getting a loan, a credit card, or even a job. Those inquiring can also potentially see whether … [Read more...] about 4 Easy Steps To Disputing Your Credit Report
Nobody really likes to think about his or her credit report. Even if you're 99% certain that your credit is in good standing, requesting your annual credit report can be an exercise in anxiety. … [Read more...] about How To Analyze Your Annual Credit Report And Spot Errors
In almost every situation, maxing out your credit card is a bad idea. While it might be tempting to take advantage of your available credit to live a lifestyle you otherwise could not afford, the … [Read more...] about Is It Ever Ok To Max Out My Credit Card?
Credit scores are confusing enough for people who actually know how to build credit, let alone for those just starting to build up their credit. A recent study by LendEDU asked millennials about … [Read more...] about 3 Surprising Misconceptions Millennials Have About Credit
You've done the responsible thing and ordered your free credit report from one of the three bureaus. You look it over; there's a lot to take in! Years of your life in the world of credit all wrapped … [Read more...] about Credit Reports: How To Identify Errors And Submit Disputes
Your debt plays an important role in determining how your credit score is calculated. Aside from your payment history, your outstanding debt has the largest effect on your credit score, accounting for … [Read more...] about How Your Debt Impacts Your Credit Score
These days, commercials for free credit reports with credit scores are everywhere. You can't turn on your television without someone telling you that you need to get your score right now. What is a … [Read more...] about Credit Scores: How Do They Come Up With Those Numbers?
It seems like the news media is full of exclusively bad news, especially when it comes to the economy. You can't turn on the news without some talking head telling you that the sky is falling and that … [Read more...] about Credit Scores Are At An All-Time High
Sending children off to college can be a very stressful time for many parents. Worrying about whether your child can handle being on his or her own is a big concern, and rightly so. Most college … [Read more...] about Should College Students Own Credit Cards?
Finding financial support when you have a bad credit history can seem impossible. The task can be especially unpleasant when dealing with the wrong sources or financial institutions. Many banks or … [Read more...] about Debt Consolidation Loans for Those With Bad Credit — Frequently Asked Questions
Without question, personal debt is something that plagues a number of people each and every year. As a matter of fact, the average household in the United States has approximately $133,000 in debt. … [Read more...] about Is A Debt Consolidation Loan Possible With Bad Credit?