Ellen Johnson
05/31/2023
An 850 credit score is the highest possible credit score. What does it take to achieve the perfect credit score?
05/16/2023
“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.
05/14/2023
The debt snowball and the debt avalanche are the two most popular methods for paying off debt. We explain how they work, the pros and cons of each approach, and how to decide which debt payoff strategy is right for you.
05/04/2023
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.
04/25/2023
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?
04/12/2023
There’s never a bad time to start building good credit, but there is definitely a good time to start: as early as possible. So when can you start building credit?
03/15/2023
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.
02/20/2023
Building credit using traditional methods can take years. In this article and infographic, we’re talking about the fastest ways to build credit.
02/16/2023
Go behind the scenes of the dispute process used in credit repair and learn the importance of the Metro 2 and e-OSCAR systems in credit disputes.
01/26/2023
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.
12/06/2022
Many people are uncertain about what may happen to their credit when they get married and what can happen to their credit if they get divorced. For example, it is commonly believed that your credit report merges with your spouse’s credit report when you get married. Is that really true? And what happens to your credit when you get divorced?
12/03/2022
Did you know that all credit is built from tradelines? Although this fact is not often discussed, it’s just as important to understand when it comes to building credit.
11/16/2022
With so many Americans unemployed and struggling financially, it’s more important than ever to go into the holiday season with a smart strategy to keep your finances intact. Here are some tips on how to make it through the holiday season without going overboard on spending, hurting your credit, and derailing your financial goals.
10/28/2022
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.
10/20/2022
A credit freeze can be a valuable tool for those who may be concerned about identity theft. However, many people are unaware of how credit freezes work and how to use them.
10/12/2022
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.
06/15/2022
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.
05/09/2022
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.
04/27/2022
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.
04/24/2022
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.
04/22/2022
Most of us have credit reports assembled about us by the credit bureaus, yet few of us know about the surprising history of credit reporting. Learn about how the credit bureaus evolved into what they are today and the many controversies that have taken place along the way.
04/21/2022
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.
04/11/2022
Credit cards are not only a useful payment method for making purchases but also an essential component of a solid credit-building strategy. When you have the knowledge to use credit cards to your advantage rather than to your detriment, they can be an extremely powerful financial tool to have in your arsenal.
04/04/2022
Most lenders use your FICO credit score when they are deciding whether or not to extend credit to you. 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.
03/26/2022
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.
03/18/2022
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.
02/15/2022
Is the authorized user tradeline strategy effective? Credit expert John Ulzheimer explains why and how authorized user tradelines work.
02/12/2022
John Ulzheimer sheds light on which strategies to get more credit score points hold merit and which ones are just myths.
02/04/2022
It’s all too likely that you may have errors on your credit report. Read this article to learn about common types of errors on credit reports and how to fix them.
01/26/2022
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.
