My Credit Score Makes No Sense

Credit Score

My Credit Score Makes No Sense

My Credit Score Makes No Sense

Having trouble understanding your credit score? Here’s how to make sense of that three-digit number lenders use to decide how creditworthy you are. Your credit score is determined by five key factors, all of which come from information in your credit report (you can see your credit reports for free, every year, from all three credit… Read More

The Cities With the Lowest Credit Scores

Credit Score

The Cities With the Lowest Credit Scores

The Cities With the Lowest Credit Scores

The average U.S. consumer credit score increased 2 points from 2013, according to Experian’s Fifth Annual State of Credit study. Americans have an average 666 VantageScore 3.0, up from 664 last year, on a scale of 300 to 850. That’s generally considered fair credit. With this increase in score came an increase in consumer debt,… Read More

Bad Credit Linked to Higher Heart Attack Risk

Credit Score

Bad Credit Linked to Higher Heart Attack Risk

Bad Credit Linked to Higher Heart Attack Risk

A low credit score can’t give you a heart attack, but it might mean you’ll have one soon, a new study has found. There’s now another reason to keep track of your credit, and it actually can be a matter of life or death. Researchers at Duke University have found a link between low credit… Read More

Are You Afraid to Apply for Credit?

Credit 101

Are You Afraid to Apply for Credit?

Are You Afraid to Apply for Credit?

About 1 in 5 (19%) people haven’t applied for credit because they were afraid of being turned down, according to the Federal Reserve’s Survey of Consumer Finances. Even more surprising: That number is larger than the group who said they were turned down for credit when they applied (16.4%)! Those two numbers likely indicate consumers… Read More

The Holiday Shopping Danger You Won’t See Coming

Credit Score

The Holiday Shopping Danger You Won’t See Coming

The Holiday Shopping Danger You Won’t See Coming

Around this time last year, cybercrime went mainstream with Target’s announcement that the credit and debit card accounts of 40 million shoppers were nabbed during the height of the holiday shopping season. Worse, the personally identifiable information of 70 million Target customers was in the wind. Before you get too worked up, here’s something to… Read More

Help! My Credit Score Disappeared

Credit Score

Help! My Credit Score Disappeared

Help! My Credit Score Disappeared

Have you lived overseas for a few years? Gotten married and gotten by on your spouse’s credit accounts? Have you cut up your credit cards and just paid with cash or your debit card for a good number of years? If this is you, your credit record may have gone “poof!” and your credit score… Read More

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