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How to Make Sense of All of Your Free Credit Scores

How to Make Sense of All of Your Free Credit Scores

How to Make Sense of All of Your Free Credit Scores

There’s a lot of good that comes as a result of more banks and credit card issuers providing their customers with free credit scores, like more informed and credit-savvy consumers. At the same time, the increasing number of free scores is a little overwhelming, leaving consumers to wonder how to digest all the information. Depending… Read More

Could Paying Off Your Mortgage Hurt Your Credit?

Could Paying Off Your Mortgage Hurt Your Credit?

Could Paying Off Your Mortgage Hurt Your Credit?

For many people, paying off their mortgage is the ultimate financial accomplishment. While “mortgage burning celebrations” may not be common now that everything is handled digitally, most do feel proud of a home that is paid for in full. Imagine, then, the disappointment to learn that your credit scores have gone down, not up, as… Read More

5 Things You Do Every Day That Can Improve Your Credit

5 Things You Do Every Day That Can Improve Your Credit

5 Things You Do Every Day That Can Improve Your Credit

Among all the strategies out there for improving your credit standing, it’s important to take note of the things that are easy. Some of the best ways you can help your credit are so ingrained in your day-to-day routine, you’re probably working on your credit without really thinking about it. The simple, carefree route to… Read More

How I Helped My Boyfriend Boost His Credit Score 140 Points

How I Helped My Boyfriend Boost His Credit Score 140 Points

How I Helped My Boyfriend Boost His Credit Score 140 Points

How important is one’s credit score in a relationship? It’s probably not what first attracted you, but it can be pretty important — those three-digit numbers can tell you if someone typically manages finances well. And yet asking about it can feel awkward. Awkward or not, the conversation shouldn’t wait much past the time a couple… Read More

Want to See the FICO Scores Lenders See? Now You Can

Want to See the FICO Scores Lenders See? Now You Can

Want to See the FICO Scores Lenders See? Now You Can

Consumers who want to know everything they can about their credit scores seem to be getting more options by the day. Last month, the White House announced that more than half of American adults would soon have access to free credit scores through their credit card issuers. Soon after, Citi began sharing scores with its… Read More

Most Americans Have Bad Credit, Study Finds

Most Americans Have Bad Credit, Study Finds

Most Americans Have Bad Credit, Study Finds

For all the headlines about the improving economy and record-low mortgage rates, most consumers aren’t in a position to benefit from them, according to a report from the Corporation for Enterprise Development (CFED).  The study found that 56% of consumers have subprime credit scores. That means they are unable to take advantage of the best — or… Read More

Will My Job Hurt My Credit?

Will My Job Hurt My Credit?

Will My Job Hurt My Credit?

Our lives are intertwined with employment, because money dictates so much of how people participate in society. And where do you get money? Usually, your job. Your job may determine where you live, how you socialize, what you wear and certainly how much money you can spend on all these things. As much as it’s wrapped… Read More

FICO vs. VantageScore: The Credit Score Rivalry Heats Up

FICO vs. VantageScore: The Credit Score Rivalry Heats Up

FICO vs. VantageScore: The Credit Score Rivalry Heats Up

VantageScore is making headway into the credit score market dominated by FICO, says the firm behind the upstart measure of credit-worthiness. Nearly one billion VantageScores were generated in 2014 — a 600% increase — says VantageScore Solutions LLC, a creation of the nation’s three credit bureaus. The number of banks using the scores increased by… Read More

Does My Age Help My Credit Score?

Does My Age Help My Credit Score?

Does My Age Help My Credit Score?

Age and credit have a somewhat complicated relationship. Like it often is with personal finance, straightforward questions don’t always have simple answers. Does your age affect your credit score? In the most literal sense, no: Your date of birth isn’t factored into your credit score. Still, if you’re older, you have a better chance at… Read More

Why Has the Average Credit Score Gone Up?

Why Has the Average Credit Score Gone Up?

Why Has the Average Credit Score Gone Up?

The average U.S. credit score has gone up recently, but not by much. Of course, the way those figures change year over year depend on the model you’re looking at, considering there are so many different credit scores out there. Based on numbers FICO provided, the average hit a low of 686 in October 2009,… Read More

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