Credit Score

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Why Are Credit Scores So Confusing?

Why Are Credit Scores So Confusing?

Why Are Credit Scores So Confusing?

If credit scores confuse you, you’re hardly the only one to feel that way. Even many lenders think they’re hard for consumers to understand. VantageScore Solutions, a credit scoring company created by the three major credit reporting agencies, recently surveyed more than 200 lenders about a credit score part that often confuses consumers: reason codes…. Read More

Who Is Fair Isaac?

Who Is Fair Isaac?

Who Is Fair Isaac?

FICO is one of the best known names in the credit industry — it’s practically synonymous with credit scoring, despite the existence of hundreds of other scoring models. The first general-purpose credit score (Beacon at Equifax) came from FICO in 1989, effectively transforming the consumer lending landscape to heavily incorporate predictive analytics. Anyone who has… Read More

What Credit Cards Should I Avoid?

What Credit Cards Should I Avoid?

What Credit Cards Should I Avoid?

Between television commercials, and advertisements on the Internet and in your mailbox, there is no shortage of information about credit cards. But when it comes to determining which one you should get, a pretty good place to start, when sorting through the hundreds of cards on the market, is to eliminate those you should avoid…. Read More

Are You Too Young to Build Credit?

Are You Too Young to Build Credit?

Are You Too Young to Build Credit?

Should high school seniors get a credit card to build credit? For these young adults and their parents, the question isn’t academic. They face this question as soon as they turn 18. The benefits of building good credit are numerous; lower interest rates when you borrow and lower insurance premiums are just two of them…. Read More

What Is the Worst Credit Score?

What Is the Worst Credit Score?

What Is the Worst Credit Score?

You want a great credit score?  First you need to know what you’re working with. Even if you know the number of your score, you won’t know if it’s good or bad until you know the range used by the scoring model. If you have poor credit, you may be dealing with a score in… Read More

Where Did Credit Scores Come From?

Where Did Credit Scores Come From?

Where Did Credit Scores Come From?

If you’ve ever applied for a credit card or loan, you’re probably aware that your credit score was used in the application review process. But that wasn’t always the case. Lenders started using credit scores for consumer loan products in the 1980s, but the roots of credit scoring came decades earlier. In 1941, the National… Read More

Even God Has Credit Problems

Even God Has Credit Problems

Even God Has Credit Problems

God lives in Brooklyn. No, really. God Gazarov, New York resident, has been in the news lately because of a lawsuit over his credit history. Gazarov says credit reporting agency Equifax doesn’t accept his first name as legitimate, and, as a result, it falsely reports that he has no credit history. He said that snag… Read More

What a Credit Score Calculator Won’t Tell You

What a Credit Score Calculator Won’t Tell You

What a Credit Score Calculator Won’t Tell You

If you don’t know your credit score, you have a few options for figuring it out: You can purchase one, get an account with a company that provides them for free or use a credit score calculator. All these options can help you get an idea of your credit standing and allow you to set… Read More

Can You Really Repair Your Own Credit for Free?

Can You Really Repair Your Own Credit for Free?

Can You Really Repair Your Own Credit for Free?

You have probably heard the advice not to waste money on credit repair. You’ve been told there is nothing they can do that you can’t do on your own. But there you are staring at your credit report or your credit score and you have no clue what to do next. That’s when the idea… Read More

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