Barry Paperno

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Barry Paperno provides a perspective on credit and personal finance that comes from more than 25 years serving the credit industry, representing FICO, Experian, Bank of America, and others.

Credit Tools

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is experian accurate
Experian Credit Score vs. FICO® Score
Experian is a credit reporting agency. It also offers consumer cr... read more

March 7, 2023

Credit Score

Bankruptcy Stays on Your Credit 10 Years and Other Myths
You might have heard that bankruptcy gives you a clean financial ... read more

November 12, 2020

Credit Score

How Does a HELOC Affect a Credit Score?
Yes, home equity lines of credit (HELOC) can have an impact on y... read more

October 2, 2019

Credit Score

child credit report
Can You Check Your Child’s Credit Report?
There seems to be no shortage of valuable information about ̶... read more

June 14, 2013

Identity Theft and Scams

govt free credit score
Could the Government Mandate Free Credit Scores?
This year marks the 10th anniversary of the groundbreaking Fair a... read more

June 11, 2013

Credit Score

VantageScore guide
The Ultimate Guide to the New VantageScore
When looking for your credit scores, you may have seen VantageSco... read more

May 31, 2013

Credit Score