Credit Repair & Credit Score Information
03/12/2025
Balance transfers are a somewhat controversial topic in the world of credit repair and debt payoff. They can be a wonderful tool for helping consumers get out of credit card debt without being crushed by sky-high interest rates. On the other hand, if you’re not careful, they can also enable you to get yourself even deeper into debt than you were before.
01/30/2025
If you need help building your credit, the right credit card can make all the difference. Here is a list of the best credit-building credit cards of the year to get you started.
01/26/2025
While your credit score is just a three-digit number, it can have a big impact on your life. When building your life in the midst of economic uncertainty, a good credit score is an even more important asset.
01/18/2025
The holiday season can be filled with fun times—but you might end up overspending during the most wonderful time of the year. After the busyness of the holidays settles down, you might be left with a hefty load of holiday debt.
12/19/2024
"Buy now, pay later" services can be convenient for those on a tight budget. But how do these BNPL services affect your credit? Let’s take a look at how this popular payment option could impact your credit scores.
11/03/2024
Most ratings and buyers' guides of credit repair companies are nothing more than paid advertisements—but not here! This is the insider's guide to the good, the bad, and the ugly credit repair companies. Our guide is dedicated to helping you find the best credit repair company for your situation.
10/27/2024
It’s never a good feeling when you notice that your credit score has dropped. Let’s explore some of the possible reasons that could cause your credit score to decline.
10/24/2024
An unpredictable income can make managing your finances a bit more complicated. But with a little bit of planning, you can map out a strategy to protect your finances and credit score from the swings of an irregular income.
09/30/2024
A thin credit file can be problematic. Although your finances may be in good shape, a thin credit file can make it challenging to access financing for major purchases when you need it.
07/28/2024
When you file for bankruptcy, it’s usually because you have no other option for your finances. Although it might be the right choice for your situation, the decision to file for bankruptcy will have a negative impact on your credit.
07/17/2024
Could inquiry "bumpage" and "choppage" improve your credit? Find out from an expert who has spent three decades in the industry, John Ulzheimer.
06/06/2024
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.
05/30/2024
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.
04/07/2024
If you monitor your credit using a free website, chances are, you’ve seen your VantageScore. However, you may not have realized that this credit score is not the same as your FICO score.
03/24/2024
Nearly one in five American adults do not have a credit score. Find out what it means to be "credit invisible" and how consumers can become credit visible.
03/04/2024
The vast majority of lenders use your FICO credit score to evaluate your credit risk as a consumer 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.
02/04/2024
Everyone wants to get a higher credit score, but not all of the “hacks” or tips being promoted actually help you get more credit score points. Credit expert John Ulzheimer answers some common questions about ways to get more credit score points.
01/15/2024
Credit sweeps are a heavily advertised and promoted service among credit repair companies. John Ulzheimer explains why you need to watch out for credit sweep scams in an episode of Credit Countdown.
12/15/2023
If you want to build your credit score, responsibly managing revolving and open credit accounts can help. Let’s explore what these accounts are and how you can leverage these types of accounts into a better credit score.
12/07/2023
Credit repair can take months to see results, but we have effective credit hacks that you can use to get a better credit score fast. Check out our list of the best credit hacks that will help you improve your credit.
11/19/2023
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.
11/17/2023
Generation Z represents the youngest generation of consumers. As a member of Gen Z, the financial choices you make now can have an outsized impact on your financial future.
11/10/2023
Do you have derogatory items dragging down your credit score? Here's how to get derogatory entries removed from your credit report.
10/30/2023
Certain negative items could potentially stay on your credit report permanently. Here are the three exceptions to the 7-10 year limit on negative information imposed by the FCRA.
10/19/2023
Is it possible to have too much credit? We answer the question of whether having too much credit could hurt your credit score by breaking it down into three parts: having too much available credit, having too much debt, and having too many credit accounts.
10/05/2023
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.
09/29/2023
If a good credit score is a priority for you, a derogatory mark is the last thing you want to see on your credit report. Unfortunately, a derogatory mark could spell trouble for your credit score.
09/25/2023
Credit scores impact our lives in more ways than you might think, yet, unfortunately, they are complex and can be 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.
09/16/2023
Bad credit is something we all fear, but what is actually considered poor credit and how could it affect you? In addition to explaining what bad credit is and why you need to avoid it, we'll also provide some strategies in this article to help you fix bad credit.
