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My Free Credit Scores Are All Different. What Gives?

My Free Credit Scores Are All Different. What Gives?

My Free Credit Scores Are All Different. What Gives?

There are lots of places that offer free credit scores nowadays, but not every score is the same. Even when you pull your free credit scores, chances are the scores will be different. Why is that? Free credit scores can differ because of the scoring model used, the credit bureau supplying the data and how frequently... Read More

How Charging Lunch Every Day Can Help Your Credit Score

How Charging Lunch Every Day Can Help Your Credit Score

How Charging Lunch Every Day Can Help Your Credit Score

It’s easy to take out your plastic to pay for a meal, especially when you’ve run out to grab a quick bite during the workday. Not only is it convenient, but putting your lunch on credit every day can actually help you improve your credit. Kind of seems counter-intuitive, doesn’t it? But it’s possible —... Read More

Why Credit Makes People So Freaking Mad: A Theory

Why Credit Makes People So Freaking Mad: A Theory

Why Credit Makes People So Freaking Mad: A Theory

No one really likes reading about credit, credit scores and credit reports. As editor of a publication devoted to teaching people about these things, it’s a fact that I’ve had to learn to live with, and it’s not a surprising one. There’s plenty for people to get mad about. Credit is confusing, credit report errors... Read More

Is Bad Credit Contagious?

Is Bad Credit Contagious?

Is Bad Credit Contagious?

If your credit’s not so hot, it could have something to do with the people you hang around with. Not directly, of course. Credit histories don’t get merged. So, unless you’re co-signing for a loan or, say, taking out a mortgage with someone, your friends can’t exactly affect your credit score. But their attitudes toward money could be... Read More

Does What You Buy Affect Your Credit Score?

Does What You Buy Affect Your Credit Score?

Does What You Buy Affect Your Credit Score?

If the old adage, “you are what you eat,” applied to our finances, would specific purchases affect our credit scores? Given the information those numbers contain, from how much debt we carry to whether we make on-time payments, it’s not hard to imagine. After all, credit bureaus can see how often you apply for store credit cards.... Read More

Does Getting a Divorce Hurt Your Credit?

Does Getting a Divorce Hurt Your Credit?

Does Getting a Divorce Hurt Your Credit?

Getting divorced can come with plenty of heartache, paperwork, and even financial burdens. But one of those struggles does not include a dip in your credit score just because you signed divorce papers. “The act of getting a divorce does not have a direct impact on your credit,” Bruce McClary, vice president of communications for... Read More

The Bill That Could Help Veterans’ Credit Scores

The Bill That Could Help Veterans’ Credit Scores

The Bill That Could Help Veterans’ Credit Scores

Veterans experiencing credit problems could be in store for some good news. Lawmakers are looking to help ensure veterans’ credit scores don’t get dinged when they have late payments on medical bills. The Protecting Veterans Credit Act (H.R. 1862), introduced last month by Reps. Randy Hultgren (R-Ill.) and John Delaney (D-Md.), would provide a 1-year grace... Read More

Can I Fix My Credit in 30 Days?

Can I Fix My Credit in 30 Days?

Can I Fix My Credit in 30 Days?

If you’ve got a less-than-stellar credit score and are looking to apply for a loan, chances are you’re going to want to fix those numbers fast. And you just might be able to do it — depending, of course, on what’s weighing your credit down. Dealing With Disputes Under the Fair Credit Reporting Act, once... Read More

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