Are You Born With a Credit Score?

Credit 101

Are You Born With a Credit Score?

Are You Born With a Credit Score?

You may have heard that age impacts your credit, leading you to believe you’re born with a credit score. While it is true that age is a factor, it isn’t your age — it’s actually the age of your accounts that affects your credit scores. So, no, you aren’t born with credit scores (and may... Read More

3 Jobs That Can Be Harder to Get With Bad Credit

Credit Score

3 Jobs That Can Be Harder to Get With Bad Credit

3 Jobs That Can Be Harder to Get With Bad Credit

Are you in search of greener pastures or simply feel ready for a new career challenge? If so, it doesn’t hurt to have good credit, as some employers pull a version of applicants’ credit reports during the application process as part of a background investigation. For jobs that require federal government security clearance or access to government facilities,... Read More

Can Alternative Credit Scores Hurt You?

Credit Score

Can Alternative Credit Scores Hurt You?

Can Alternative Credit Scores Hurt You?

We’ve written quite a bit on alternative credit scores at Credit.com over the years — and on how these non-traditional scores based on things like utility and rent payments can help consumers with “thin” credit files qualify for credit cards and loans. But can the opposite also be true? Can people who have healthy “traditional” credit scores be stymied... Read More

3 Ways Your Credit Score Can Empower You

Credit Score

3 Ways Your Credit Score Can Empower You

3 Ways Your Credit Score Can Empower You

You already know the importance of keeping down debt and making credit card and bill payments on time. But are you aware of the perks that come with having a good credit score? If not, here’s a helpful primer. 1. Credit Cards With Rewards Rewards credits cards, including those for hotels, cash back and airline miles, are typically issued... Read More

Do You Start With a Credit Score of ‘0’?

Credit 101

Do You Start With a Credit Score of ‘0’?

Do You Start With a Credit Score of ‘0’?

When you think about it, credit scores have a lot in common with the SATs: They stress people out, involve tough-to-answer questions and play a huge role in determining whether your applications (albeit for financing) get denied. There’s another notable similarity, too, which you may not know about: When it comes to credit scores, you can’t get a zero. The... Read More

How to Build Credit Without Going Into Debt

Credit 101

How to Build Credit Without Going Into Debt

How to Build Credit Without Going Into Debt

Unless you were born in some remote location and lived off the grid your entire life, it’s not news to you that good credit is needed to function in today’s society. Your credit history is what indicates your trustworthiness to lenders, stores, and even employers and landlords. Bad credit or no credit is a major... Read More

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