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You’re Not Stuck With Bad Credit Forever, Study Finds

You’re Not Stuck With Bad Credit Forever, Study Finds

You’re Not Stuck With Bad Credit Forever, Study Finds

Your credit score isn’t like your family; you aren’t stuck with it forever. In fact, credit scores are quite fluid, as a recent study from VantageScore Solutions shows. The study looked at the credit scores of 2 million consumers between 2011 and 2013, reporting that 49% of these consumers saw a credit score increase of around 19 points during... Read More

The Biggest Mistakes People Make When Trying to Fix Their Credit

The Biggest Mistakes People Make When Trying to Fix Their Credit

The Biggest Mistakes People Make When Trying to Fix Their Credit

If your credit’s in the gutter, you won’t be doing yourself any favors by making rash moves. In fact, you may worsen your situation. When trying to repair your credit, it’s key to remember the basics: Check your credit reports for accuracy, find out why your score is so low and come up with a plan for improving... Read More

The Most Important Thing John Oliver Got Right in His Epic Credit Report Rant

The Most Important Thing John Oliver Got Right in His Epic Credit Report Rant

The Most Important Thing John Oliver Got Right in His Epic Credit Report Rant

Comedian John Oliver took credit reporting agencies to task on his HBO show, “Last Week Tonight,” on Sunday, saying the agencies should be more accountable for errors in reporting personal credit information for American consumers. “Credit reports. The basis for the single-most important three-digit number in your whole life, other than, of course, 311, the... Read More

5 Weird Ways You Can Tank Your Credit

5 Weird Ways You Can Tank Your Credit

5 Weird Ways You Can Tank Your Credit

By now, there’s a good chance you know the big line items that can tank your credit score — bankruptcy, foreclosure, tax liens. But there are also some off-the-beaten-path ways you can damage your credit. The exact effects will vary, depending on your full credit profile. (You can see where you stand by viewing your free... Read More

9 Helpful Tools for Fixing Your Credit

9 Helpful Tools for Fixing Your Credit

9 Helpful Tools for Fixing Your Credit

You know you have a problem — a credit score problem — but you don’t know how to fix it. There are so many different possibilities that could be the source of your credit problems that it’s hard to know where to start. Here are some tools to help you understand, diagnose and manage your... Read More

Who Has Better Credit — Men or Women?

Who Has Better Credit — Men or Women?

Who Has Better Credit — Men or Women?

It’s a statistic you’ve heard a lot: Women only earn about 79 cents for every dollar men make. But even though men make more money, they’re not necessarily managing it better than women do. On average, men have more debt than women, according to a recent analysis from credit bureau Experian. They also have lower average... Read More

How to Start Building Credit Once You Turn 18

How to Start Building Credit Once You Turn 18

How to Start Building Credit Once You Turn 18

Having good credit is imperative to unlocking many financial opportunities in life, including lower interest rates on car loans, credit cards and mortgages. The key to getting that high credit score is to start building credit at a young age. That’s why adults as young as 18 might want to consider getting a credit card... Read More

5 Random Reasons Your Credit Score Could Go Up

5 Random Reasons Your Credit Score Could Go Up

5 Random Reasons Your Credit Score Could Go Up

If you’re looking to improve your credit scores, there are lots of ways to do that. But there are also some behind-the-scenes changes that can cause your credit score to go up without you doing much of anything at all. So before you get started trying to fix your credit, check out if some of these factors... Read More

Will It Hurt My Credit If I Don’t Use My Credit Cards?

Will It Hurt My Credit If I Don’t Use My Credit Cards?

Will It Hurt My Credit If I Don’t Use My Credit Cards?

There are plenty of reasons why you may have wound up with a lot of credit cards in your wallet. Maybe a rewards program changed over time. Maybe your credit improved and qualified you for better offers. Maybe a sign-up bonus was too good to pass on. Maybe you opened and used too many cards straight out... Read More

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