Credit Score

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Can You Raise Your Credit Score 100 Points in a Month?

Can You Raise Your Credit Score 100 Points in a Month?

Can You Raise Your Credit Score 100 Points in a Month?

Improving your credit score often requires a lot of patience, because a good credit score is built on years of responsible habits. If you’ve made mistakes, they can be challenging to recover from, but it’s a doable goal. Of course, if you want to buy a home, take out a personal loan or get a new credit card,… Read More

Could Your HOA Wreck Your Credit?

Could Your HOA Wreck Your Credit?

Could Your HOA Wreck Your Credit?

If you live in a community within a homeowners’ association, you probably have to pay association dues. They can run anywhere from less than $100 a year to more than $1,000 a month, depending on the community. What happens if you don’t pay? Will it ruin your credit rating? It certainly can, as some of… Read More

Can My Credit Keep Me From Getting a Promotion?

Can My Credit Keep Me From Getting a Promotion?

Can My Credit Keep Me From Getting a Promotion?

A reader, Brittney, like many of us, made lots of financial mistakes when she was a young adult, and she has spent the past few years trying to correct them and rebuild her credit. She pulled her credit report (here’s how you can do the same thing, and it’s free) recently and was stunned to… Read More

Will Congress Overhaul Credit Reporting Laws?

Will Congress Overhaul Credit Reporting Laws?

Will Congress Overhaul Credit Reporting Laws?

Nearly every day we hear from consumers who feel like their credit reports and scores are holding them back. Some have been battling mistakes they are having trouble getting fixed, others feel like they are stuck in credit purgatory because their credit reports still contain negative information from homes they lost or loans they defaulted… Read More

Average FICO Score Hits All-Time High

Average FICO Score Hits All-Time High

Average FICO Score Hits All-Time High

The average FICO score among American consumers hit an all-time high in April at 692, up one point from the same time last year and six points higher than the low point of 686 in October 2009. The credit scoring company has been tracking the average consumer FICO score since October 2005, releasing updated averages every… Read More

The Most Misunderstood Part of Your Credit Report

The Most Misunderstood Part of Your Credit Report

The Most Misunderstood Part of Your Credit Report

If you’ve checked your credit reports or reviewed your credit scores recently, you probably noticed the section of your credit report called “inquiries,” which lists the names of companies that have reviewed your report recently. While most consumers are generally aware that these credit checks can affect their credit scores, they often still find the… Read More

What Happens When a Landlord Checks Your Credit

What Happens When a Landlord Checks Your Credit

What Happens When a Landlord Checks Your Credit

You’ve found the perfect place to rent and now — gulp! — the property manager tells you all you need to do is fill out an application so she can run a credit check. Whether you’ve got great credit, bad credit, or no credit, it probably makes you a little uneasy: Will there be a problem? In… Read More

Will Keeping Your Kids On Your Insurance Hurt Your Credit?

Will Keeping Your Kids On Your Insurance Hurt Your Credit?

Will Keeping Your Kids On Your Insurance Hurt Your Credit?

Some parents are now keeping their adult children on their health insurance plans thanks to the Affordable Care Act. That law requires healthcare plans that offer dependent coverage to make the coverage available until a child reaches the age of 26. But just because parents are willing to pay for their kid’s health insurance, it… Read More

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