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The New FICO Score: Better for Debtors?

The New FICO Score: Better for Debtors?

The New FICO Score: Better for Debtors?

If you’ve ever had a debt collector call you, Thursday’s announcement from credit scoring company FICO may be good news for you. FICO just released the newest edition of its general credit scoring model, FICO Score 9. The big changes come in the area of debt collection: The score will not include paid collection accounts,… Read More

Can a Prenup Protect Your Credit Score?

Can a Prenup Protect Your Credit Score?

Can a Prenup Protect Your Credit Score?

You may think a prenup agreement is something only celebrities and those with lots of or assets should consider. If so, think again. “Just the act of creating a prenup, requiring you to discuss each other’s assets and liabilities can help,” says Terry Savage, financial expert and co-author of The New Love Deal: Everything You… Read More

3 Ways You Can Get Your Credit Score for Free

3 Ways You Can Get Your Credit Score for Free

3 Ways You Can Get Your Credit Score for Free

Lenders and some service providers use your credit history as part of their decision to do business with you. Credit scores (numbers based on the information in your credit history) are an easy way for those people to understand how risky a borrower you are, and while credit standing isn’t the only factor in lending… Read More

How a Car Accident Can Wreck Your Credit

How a Car Accident Can Wreck Your Credit

How a Car Accident Can Wreck Your Credit

Imagine you’ve been in a car accident. You have health insurance as well as coverage for medical bills through your auto insurance — or through the policy of the person who was at fault — so you aren’t worried about the bills. But to your shock, you find out months later that some of your medical bills… Read More

How Some Divorced Parents Hurt Their Credit

How Some Divorced Parents Hurt Their Credit

How Some Divorced Parents Hurt Their Credit

When parents fall behind on their child support payments, they may be surprised to learn those delinquent payments can appear on their credit reports. What does that mean for their credit scores? A Credit.com reader asks: I recently pulled my reports and was shocked to see the State of MO is listing my child support… Read More

7 Ways Bad Credit Holds You Back

7 Ways Bad Credit Holds You Back

7 Ways Bad Credit Holds You Back

Having poor or no credit may not seem like a big deal to some people, but your credit standing impacts more areas of your life than you may think. There’s the obvious concept — bad credit means you’ll likely have trouble getting credit — but your credit standing can make life much more expensive than it needs to… Read More

How to Make Sure You’re Getting Good Credit Advice

How to Make Sure You’re Getting Good Credit Advice

How to Make Sure You’re Getting Good Credit Advice

When you get advice from a lender or loan officer about your credit, you probably assume they know what they are talking about. After all, they have reviewed lots of credit reports. But you can’t always be certain the advice is solid, as one of our readers recently learned. “Mrs. B” wrote me after reading… Read More

How Do I Convince a Credit Bureau I’m Alive?

How Do I Convince a Credit Bureau I’m Alive?

How Do I Convince a Credit Bureau I’m Alive?

Although most of us who check our credit reports are doing it to make sure credit bureaus are correctly reporting our debts and payment records, one Credit.com reader, Denise, says she’s having trouble convincing a credit bureau she’s alive: Experian shows that I’m deceased because when I closed my Kohl’s charge card, the rep. accidentally marked me… Read More

Sallie Mae Now Offering Free FICO Scores

Sallie Mae Now Offering Free FICO Scores

Sallie Mae Now Offering Free FICO Scores

Sallie Mae will offer free FICO credit scores to student loan borrowers whose loans are disbursed for the 2014-2015 academic year, the company announced June 26. Each borrower will receive a FICO score quarterly, along with a personalized list of the most influential factors determining the score. Sallie Mae is the first national private education lender… Read More

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