woman on the phone at kitchen table 12-month plan to raise your credit score in the new year

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

12.28.16
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What Is ChexSystems?

Most of us have heard of Equifax, TransUnion, and Experian – the trifecta of credit bureaus that impact everything from credit card applications to car loans.

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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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Applying for a Credit Card After Bankruptcy

There’s no two ways about it: Nothing is going to ding your credit score harder than filing for bankruptcy. But after you declare bankruptcy, you

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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

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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

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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

Can Alternative Credit Scoring Help You Get a Mortgage?

By Peter Miller Lenders have an ongoing problem: No matter how many loans they create, they want to make even more. And that brings us

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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

11.01.16
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.

capital one creditwise replaces capital one credit tracker tool

Capital One Credit Tracker Now Available to Everyone as ‘CreditWise’

While knowing your credit score is an essential component of any financial plan, this number isn’t readily available. The truth is, it can be difficult to find

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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

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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

free fico score credit cards

Want Your Free FICO Score? Five Credit Cards That Will Show It to You

Over the last decade, it’s gotten immeasurably easier to access your credit report and credit score. Not only can you get a free copy of 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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