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.
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.
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.
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.
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.
“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.
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.
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.
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.
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.
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.
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.
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