Credit reports are long and dry, and using reports alone to determine risk can be subjective. Credit scores were introduced to be a more objective determination of how likely an applicant was to pay … [Read more...] about How Important Is It To Improve My Credit Score?
Frozen Credit? No Problem. 1. What is a credit freeze? A credit or security freeze is a tool that allows you to shut down access to your credit report. 2. What does a credit freeze do? If … [Read more...] about How To Suspend A Credit Freeze (With Contact Info)
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
When you were 13 or 14 years old you probably dreamed of owing a car. Having a car meant freedom — cruising with your friends, hitting the open road or just being able to come and go pretty much as … [Read more...] about Low Credit Score? Then Kiss That Dream of Home Ownership Goodbye
Your credit score is that three-digit number that rules your credit life. If you have a number above 660 you should be able to easily get a new credit card, a personal line of credit or an auto loan. … [Read more...] about Getting Your Credit Score Is Now Easier Than Ever
Personal finances are a bit like your health. You need to keep an eye on them just as you need to watch what happens to you physically. If you’re smart you’ll have a physical exam once a year just as … [Read more...] about 3 Very Big Questions (And Answers) About Personal Finances
It's obvious that there are people who have too much debt. For that matter, one recent study revealed that the average US household has more than $15,191 just in credit card debt not including other … [Read more...] about When Going Into Credit Card Debt Can Be A Good Thing
Having a poor credit score is no big deal, right? Wrong. A poor or bad credit score has some very serious consequences. For one thing it will cost you money. This is because there is an inverse … [Read more...] about Revealed – The 4 Greatest Myths Of Credit Scoring
You say that you checked your credit score recently and that it’s great. Maybe you got your FICO score and it was 790. So you feel as if you were sitting on top of the credit world. Well, you might … [Read more...] about Why Your Credit Score Might Not Be As Wonderful As You Think
Whether we like to admit it or not a little three-digit number rules our credit life that’s called our credit score. If you have a good credit score of, say, more than 750 you should be able to get … [Read more...] about One Sneaky But Legal Trick For Raising Your Credit Score
There are definitely things in life where less is better. For example, the fewer debts you have, the better off you are financially. On the other hand, there are cases where more is better. And one of … [Read more...] about 6 Fairly Simple Ways To Increase Your Credit Score
Most people today understand that they have a credit score and that it’s important they know it. But there can be differences between what are called “consumer credit scores” and FICO scores, which … [Read more...] about Are You Wasting Money Buying “Consumer” Credit Scores?
The credit-reporting bureau Experian recently released a study showing that in general, women are better at handling credit than men. This study came from a sample of 750,000 credit reports … [Read more...] about Did You Know Women Are Better At Handling Credit?
Do you think the only thing a bad credit score can do is keep you from getting a low interest rate on a loan? If so, you’d be dead wrong. There are a number of ways a bad credit score could hurt … [Read more...] about 8 Ways You Could Be Hurt By A Bad Credit Score