Credit Repair & Credit Score Information
12/04/2020
Most lenders use your FICO credit score when they are deciding whether or not to extend credit to you. And yet, historically, it has been costly for consumers to access their own FICO scores. If you need to check your FICO score, where can you do so without paying a fee to access it? This article lists some of the best places to get your FICO score for free.
11/19/2020
Credit myths are extremely common. Unfortunately, many people believe these myths, and their credit suffers as a result of taking incorrect actions. Let’s get to the bottom of these credit myths so you can start improving your credit the right way.
11/03/2020
Collections can damage your credit score for a long time, so it's important to understand them. This helpful guide explains what collections are, how they affect your credit, how collection agencies try to re-age debt, how to get collections removed from your credit report, and more.
10/27/2020
If your credit score has gone down, it's important to understand why so you can address the problem. Let's discuss some possible credit issues that could cause a decrease in your credit score.
10/25/2020
If you’re wondering how to update your credit report information fast so that you can improve your credit rating quickly, you may be interested in getting a rapid rescore. Find the answers to all your questions about rapid rescores in this article.
10/18/2020
Credit expert John Ulzheimer explains how credit scoring "buckets" work in assigning points to your credit score.
10/12/2020
“Alternative data” is a concept that is becoming increasingly popular as one possible solution to the problem of credit invisibility. Let’s shed some light on the emerging topic of alternative credit data and how it could help or hurt consumers.
10/08/2020
There is a disconnect between what is understood as traditional credit repair versus adding tradelines to your credit reports. Credit expert John Ulzheimer explains the difference in this article.
10/02/2020
Revolving accounts and installment accounts are both important for building credit, but they do not have an equal influence on your credit score. Which type of account is more powerful for your score?
09/24/2020
If you have credit cards with low limits, you may want to increase your credit limit. In this article, we cover everything you need to know about how to get a higher credit limit.
09/20/2020
The FICO Resilience Index is a new type of credit score designed to help lenders better evaluate credit risk in today’s shaky economy. Should you be worried about your Resilience Index rating?
09/15/2020
An 850 credit score is the highest possible credit score. What does it take to achieve the perfect credit score?
09/10/2020
What is the difference between your overall credit utilization ratio and individual credit utilization ratios and why does it matter to your credit?
09/09/2020
What is the right number of credit cards to have in your credit file? Credit expert John Ulzheimer explains the answer.
09/07/2020
Credit scores impact our lives in more ways than you might think, yet, unfortunately, they are intentionally opaque and difficult to understand. In this article, we’ll clear up what credit scores are, why they matter, how to build credit, and how to improve your credit score.
09/03/2020
Building credit begins with tradelines. Learn all you need to know about how to build good credit with tradelines.
07/31/2020
Managing your finances and protecting your credit in the time of COVID-19 is a daunting task. Here are some steps you can take to get started right now.
07/23/2020
For those struggling to build credit, a credit-builder loan may be one way to get a loan with no credit check and start building a positive credit history.
07/21/2020
What is a VantageScore credit score and how is it different from a FICO credit score? Which one is better? We compare the two types of credit scores in this article.
06/29/2020
FICO 10 and FICO 10 T will cause millions of consumers' credit scores to change. Learn more about the new FICO credit scores and how they will affect the tradeline industry.
06/15/2020
Business credit is similar to personal credit, but it uses a different reporting system. If you are interested in building business credit, our article breaks down business credit vs. personal credit, what business tradelines are, and how to build business credit.
05/28/2020
Inquiries are often blamed for people's bad credit, but we're not so sure that's the case. Read this article to learn what hard inquiries and soft inquiries are and the truth about how inquiries affect your credit score.
05/24/2020
Bad credit is something we all fear, but what is actually considered poor credit and how could it affect you?
05/03/2020
Credit reports are an integral part of our financial system, yet many of us are seriously misinformed about how credit reports work. We'll help you understand what your credit report is and why it’s important.
04/27/2020
Derogatory items can stay on your credit report and damage your credit scores for years. We’ll help you understand minor and major derogatories, how derogatory items affect your credit score, and what you can do about them.
03/26/2020
How important are closed accounts when it comes to your credit score? Perhaps more than you think. Let’s shed some light on the question of how closed accounts can affect your credit.
03/13/2020
Credit repair can take months to see results, but fortunately, there are some credit hacks that you can use to get better credit on a shorter time scale. Check out our list of the best credit hacks to help you improve your credit.
03/03/2020
Balance transfers can be a valuable tool for helping consumers get out of credit card debt without being crushed by interest charges. On the other hand, if you’re not careful, they can leave you worse off than you were before. Read this article to find out everything you need to know about balance transfers and how to decide if a balance transfer is right for you.
02/24/2020
It’s all too likely that you may have an error on your credit report. Read this article to learn about common types of errors on credit reports and how to fix them.
02/12/2020
While credit mix only makes up 10% of your FICO score, it’s still important to consider when building credit. Check out our infographic about mix of credit and types of credit.