stressed out man - credit repair scams

Don’t Fall for These Credit Repair Scams

Have you ever struggled with credit problems? If so, chances are you’ve probably wished, at least once, for a solution to erase all your credit

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How Late Can I Make a Payment Before It Shows Up on My Credit Report?

One of the more commonly misunderstood and misreported aspects of credit reporting is exactly when a late payment will show up on your credit report.

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Buying a Home This Year? Start Now to Get Your Credit in Shape

Are you planning to buy a new home this year? Unless you’ve recently won the lottery or can otherwise afford to pay in cash, it’s probably time

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Four Habits of People With Great Credit

Are you trying to earn and maintain excellent credit — as in a score greater than 800? Do you want to live with the peace of mind

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Equifax, TransUnion Fined for Deceptive Credit Score Marketing

The Consumer Financial Protection Bureau (CFPB) has ordered two of the nation’s three largest credit reporting agencies, Equifax and TransUnion, to pay more than $23 million

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A 12-Month Plan to Raise Your Credit Score in 2017

Are you ready to finally gain control of your credit scores in the new year? Working to improve your credit is an admirable resolution, and

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Is a 700 Credit Score the Magic Number?

The two most popular credit scoring brands, FICO and VantageScore, both feature a current credit score range of 300 to 850. It’s common knowledge that

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Your Credit Card Minimum Payment Is Just That — a Minimum

When finances become tight it can be quite tempting to cut back on your credit card payments. After all, if you send in a small

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New Year’s Credit Resolutions That Could Change Your Life

If you think this article’s title sounds a little dramatic, that’s by design. But the truth is, the condition of your credit actually has a massive

credit card receipts - credit utilization rate

Why Is Credit Utilization Such a Big Deal?

Credit scores can either save you a ton of money or cost you just as much. Ultimately it’s your own credit management habits that will determine

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There’s a Right Way and a Wrong Way to Take on Holiday Debt

You probably know that taking on extra debt during the holidays isn’t the best idea. Newly incurred debt can be bad for both your wallet

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Is It Smart to Increase Your Credit Card Limit?

Trying to find an ethical and effective way to improve your credit scores can sometimes be a rather frustrating undertaking. After all, improving your credit

using laptop and phone to check credit reports at three credit bureaus 3 credit bureaus

Why You Need to Check Your Credit Report With All Three Credit Bureaus

It is easier than ever before to keep a close eye on your credit reports. There is no shortage of websites that offer free access

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Born-Again Debt: What Is Re-Aging, and Is It Legal?

The world of credit is filled with terms that can sound quite foreign to most people who don’t work in the industry. Once such term is

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family on the steps of new home - credit score mortgage

Here’s How Much Your Credit Score Impacts Your Mortgage and Auto Loan Rates

When you apply for a new loan, the most influential factor in determining your interest rate is your credit and, more specifically, your credit scores.

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How Often Does Your Credit Score Change?

If you routinely check your credit reports for changes, then kudos on developing a great habit. Keeping a close eye on your credit reports is

woman clothes shopping

Four Ways Holiday Shopping Can Crush Your Credit

The tradition of holiday overspending is as American as apple pie. Tradition or not, bad holiday spending habits can undoubtedly take a toll on your

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How Long Does It Take to Build Credit From Scratch?

Everyone starts out with a blank slate when it comes to their credit reports. The trick, of course, if you have never established any type

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