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FICO Scores Are at an All-Time High

FICO Scores Are at an All-Time High

FICO Scores Are at an All-Time High

Credit scores in America are getting better. In fact, the national average FICO score has hit an all-time high, according to new numbers pulled by the credit-scoring company. The national average FICO score hit 699 in April, up nine points since October 2006, per the table below. That’s also a three-point improvement over the national average from just... Read More

3 Ways to Avoid Letting Bad Credit Control Your Life

3 Ways to Avoid Letting Bad Credit Control Your Life

3 Ways to Avoid Letting Bad Credit Control Your Life

According to a 2015 Corporation for Enterprise Development (CFED) report, 56% of consumers have subprime credit scores. Living with bad credit can often mean you miss out on some of the better financing rates, causing you to pay more in interest. Avoiding the consequences of bad credit can be difficult, but there are a few... Read More

4 Ways Your Credit Scores Can Empower You

4 Ways Your Credit Scores Can Empower You

4 Ways Your Credit Scores Can Empower You

The members of the credit elite — consumers who reside at the top of the scoring ladder — are no strangers to the hard work having good credit requires. Maintaining good or excellent credit can help you qualify for the best financial offers. Here are four ways this can pay off and might leave you... Read More

3 Steps to Take Toward Repairing Your Credit

3 Steps to Take Toward Repairing Your Credit

3 Steps to Take Toward Repairing Your Credit

Building and maintaining good credit is a lifelong process. And if you’re trying to fix your credit, the time it takes depends on several factors, including the type of damage. Here’s what it takes to get started repairing your credit. Review Your Credit If you haven’t already, you should take a look at your credit... Read More

6 Ways You Can Wreck Someone Else’s Credit

6 Ways You Can Wreck Someone Else’s Credit

6 Ways You Can Wreck Someone Else’s Credit

You do a lot to make sure your credit is in decent shape. More often than not, you’re paying your bills on time and you do your best to keep your debt utilization ratio where it should be (experts recommend keeping your debts at 30%, ideally 10%, of your total credit limit). So, when you... Read More

Is Good Credit the Key to a Good Life?

Is Good Credit the Key to a Good Life?

Is Good Credit the Key to a Good Life?

What do you want in life? Although most people would say that winning the lottery and being able to live in a big house or sail around the world sound nice … that’s not really what people strive for. Most people strive for similar things — things like getting a college education, buying your first... Read More

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