Credit Score

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5 Things Good Credit Can Get You

5 Things Good Credit Can Get You

5 Things Good Credit Can Get You

Need a good reason to get serious about reviewing, maintaining or rebuilding your credit score? We can give you five of them. These are all important things a great credit score may get you: 1. Great Rates You don’t need someone to tell you that your credit score will be a key factor in determining… Read More

FICO vs. FAKO: What’s Your Real Credit Score?

FICO vs. FAKO: What’s Your Real Credit Score?

FICO vs. FAKO: What’s Your Real Credit Score?

There are a lot of different credit scores out there, and this has naturally led some consumers to ask: Which scores should I pay attention to, and what’s my real credit score? People gravitate to the well-known FICO score, by all accounts the market leader in credit scores (meaning more banks use FICO scores than other scores). In… Read More

How I Averted a Medical Billing Disaster

How I Averted a Medical Billing Disaster

How I Averted a Medical Billing Disaster

Over Labor Day weekend, I fell and broke my hand. Seeing my finger dangling at an odd angle was alarming, not to mention painful, but I’ll confess the first words out of my mouth when I arrived at the ER were, “I want to confirm that you are a participating provider in my insurance.” I… Read More

Kids’ Lack of Self-Control Linked to Bad Credit Scores Later in Life

Kids’ Lack of Self-Control Linked to Bad Credit Scores Later in Life

Kids’ Lack of Self-Control Linked to Bad Credit Scores Later in Life

A recent study published in an academic journal found a connection between credit scores and heart disease. A note tucked inside the paper mentions research that could be vital to parents. Scientists at Duke University examined 1,000 New Zealand residents for signs that credit behavior and health were linked, and they found that each 100-point credit… Read More

Which Credit Score Should I Pay Attention to?

Which Credit Score Should I Pay Attention to?

Which Credit Score Should I Pay Attention to?

There is no one credit score. There are many. The one that matters the most is the credit score that a lender looks at when considering your loan or credit card application. So how do you make sense of all of the credit scores out there? Most lenders use FICO scores or VantageScores when evaluating… Read More

How to Get Ready for a Credit Check

How to Get Ready for a Credit Check

How to Get Ready for a Credit Check

You’ll want to be sure your credit is in the best shape possible before you apply for a car loan, home loan or personal loan. But how do you get ready for a credit check? A lender checks your credit before approving you for a loan and your credit rating also determines what kind of interest… Read More

Credit Score Companies Fined $22M by FTC for Illegal Billing

Credit Score Companies Fined $22M by FTC for Illegal Billing

Credit Score Companies Fined $22M by FTC for Illegal Billing

The Federal Trade Commission announced a settlement this week in which three credit score companies will pay consumers $22 million for billing them for credit monitoring products they never ordered. The companies drew customers to their sites by offering free credit scores, but signing up set off a $29.95 recurring monthly fee for credit monitoring, which… Read More

How to Rebuild Your Credit Without Using Credit Cards

How to Rebuild Your Credit Without Using Credit Cards

How to Rebuild Your Credit Without Using Credit Cards

Credit cards can be a polarizing subject. Many Americans love them for their security and convenience, but these very same qualities lead many cardholders into debt. After becoming overextended, cardholders may miss payments and find themselves with ruined credit. So the last thing these people need is to try to rebuild their credit by using more plastic…. Read More

My Credit Score Makes No Sense

My Credit Score Makes No Sense

My Credit Score Makes No Sense

Having trouble understanding your credit score? Here’s how to make sense of that three-digit number lenders use to decide how creditworthy you are. Your credit score is determined by five key factors, all of which come from information in your credit report (you can see your credit reports for free, every year, from all three credit… Read More

The Cities With the Lowest Credit Scores

The Cities With the Lowest Credit Scores

The Cities With the Lowest Credit Scores

The average U.S. consumer credit score increased 2 points from 2013, according to Experian’s Fifth Annual State of Credit study. Americans have an average 666 VantageScore 3.0, up from 664 last year, on a scale of 300 to 850. That’s generally considered fair credit. With this increase in score came an increase in consumer debt,… Read More

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