Ellen Johnson
06/16/2023
26 million consumers in America have no credit record whatsoever. On top of that, there are an additional 19 million consumers who do have credit files, but they do not contain sufficient credit information to be scored by a widely available credit scoring model.
05/31/2023
People who are serious about improving their credit often wonder what it takes to get the highest possible credit score. For the FICO 8 credit scoring model, the perfect credit score is 850.
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.
10/20/2022
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.
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.
02/15/2022
Is the authorized user tradeline strategy effective? Credit expert John Ulzheimer explains why and how authorized user tradelines work.
11/04/2021
FICO 10 and FICO 10 T are new credit scoring models that have the potential to change the credit industry in a major way. What do they mean for you as a consumer? Read this article to find out.
09/09/2021
The “opt-out” myth is one of many myths that lead consumers astray when it comes to credit. What is the opt-out myth and why does it not work?
08/25/2021
Millions of consumers in the US lack a credit score and are "credit invisible." Learn why you may not have a credit score and what you can do to gain credit history and become credit visible.
07/09/2021
Credit cards often get a bad rap, but you don’t have to get into credit card debt or pay interest in order to take advantage of their benefits. Read this article to learn how to use credit cards the right way.
06/07/2021
Is it better to pay for purchases using a credit card or a debit card? Use the information in this article to decide.
05/15/2021
"Mixed" or "confused" files, duplicate files, and fragmented files are all cases in which your credit report may be inaccurate.
05/09/2021
![Credit Countdown: Credit Dispute Forms [video thumbnail]](https://tradelinesupply.com/wp-content/uploads/2021/04/Credit-Dispute-Forms-1-300x169.png)
When you file a credit dispute, there are certain forms and processes required to resolve the dispute. Different forms are used depending on which type of dispute you are filing. Learn what these forms are used for, when they are used, and what information is included on them.
03/29/2021
Equality, fairness, and justice are all concepts that the United States promotes as some of its highest values. In reality, good credit is something that many privileged Americans start out with, while others do not. How do tradelines fit into equal credit opportunity?
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.
06/27/2020
Credit piggybacking, also called credit card piggybacking, is a commonly used credit-building strategy. However, many people are still unaware of how to access this strategy and use it to their advantage. We’ll define piggybacking for credit and tell you how it can help your credit.
06/11/2020
As our nation collectively reckons with its history, we want to shed some light on the economic inequalities in America.
