MyScoreIQ Sense

Your go-to resource for smarter credit insights. Explore expert articles on FICO® Scores, credit monitoring, and identity protection designed to help you understand, manage, and protect your credit with confidence. MyScoreIQ makes it easy to stay informed and take control of your financial future.

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Happy young couple using computer to learn about national financial awareness day

5 Ways to Celebrate National Financial Awareness Day

Discover 5 impactful ways to celebrate National Financial Awareness Day. Explore strategies for setting and achieving your financial goals.

Woman reviewing her credit report and student loan repayment plan, concerned about student loan delinquencies

The Looming Credit Crisis: How Student Loan Delinquencies Can Drop the Credit Score of Millions of Americans

As student loan delinquencies begin appearing on credit reports, millions face declining credit scores and financial challenges. Learn more.

A woman lender showing a couple loan option on a tablet.

Do You Have to Pay a Loan Application Fee?

Loan application fees are common for mortgages, auto, and personal loans. But do you have to pay a loan application fee? Read on to find out

A black wallet with credit cards.

What Are the Basic Types of Credit Cards?

Learn about the different types of credit cards and how to choose the right one for you in our latest blog post!

A black woman wearing glasses reading a letter.

Can Old Addresses Be Removed from Your Credit Report?

Can you remove an old address from a credit report? Read to find out and learn if removing old addresses impacts your credit.

When Is Debt Relief Necessary

When Is Debt Relief Necessary?

 Learn what debt relief is, the signs that you might need it, and the different options available to help you manage overwhelming debt.

A woman lender showing a couple loan option on a tablet.

Do You Have to Pay a Loan Application Fee?

Loan application fees are common for mortgages, auto, and personal loans. But do you have to pay a loan application fee? Read on to find out

A black woman wearing glasses reading a letter.

Can Old Addresses Be Removed from Your Credit Report?

Can you remove an old address from a credit report? Read to find out and learn if removing old addresses impacts your credit.

Why credit monitoring is essential for veterans

Why Credit Monitoring is Essential for Veterans

Building and maintaining good credit is especially important for veterans, military members and their families.

Woman hand holding credit cards and using smartphone for shopping online within her credit card limit

What Happens If You Go Over Your Credit Card Limit?

Wondering what happens if you go over your credit card limit? Learn that, plus get tips to help you stay within your limit.

Does Debt Relief Hurt Your Credit

Does Debt Relief Hurt Your Credit?

Does debt relief hurt your credit? Here’s what you need to know before you start your debt relief journey.

A confused man noticing a wrong name on his credit report.

Why Are There Multiple Names on My Credit Report?

Ever noticed multiple names on your credit report, or an unfamiliar name? Here's what to do if you see a wrong name on your credit report.

Woman reviewing her credit report and student loan repayment plan, concerned about student loan delinquencies

The Looming Credit Crisis: How Student Loan Delinquencies Can Drop the Credit Score of Millions of Americans

As student loan delinquencies begin appearing on credit reports, millions face declining credit scores and financial challenges. Learn more.

A black woman wearing glasses reading a letter.

Can Old Addresses Be Removed from Your Credit Report?

Can you remove an old address from a credit report? Read to find out and learn if removing old addresses impacts your credit.

When Is Debt Relief Necessary

When Is Debt Relief Necessary?

 Learn what debt relief is, the signs that you might need it, and the different options available to help you manage overwhelming debt.

Why credit monitoring is essential for veterans

Why Credit Monitoring is Essential for Veterans

Building and maintaining good credit is especially important for veterans, military members and their families.

Woman hand holding credit cards and using smartphone for shopping online within her credit card limit

What Happens If You Go Over Your Credit Card Limit?

Wondering what happens if you go over your credit card limit? Learn that, plus get tips to help you stay within your limit.

Buying a new car. Handshake and handing over the keys to the car by the sales consultant to the buyer. FICO® Auto Scores.

How to Improve Your FICO® Auto Score

This helps you navigate the journey of improving your FICO® Auto Score and equip yourself to secure favorable auto loan terms.

A hand and a good credit sign.

How Credit Report Monitoring Can Help Your Credit Scores

Monitoring your credit report can help your credit scores.

Distressed couple going through bankruptcy.

Will Bankruptcy Affect My Credit Scores?

Wondering if bankruptcy can affect your credit scores? Learn the effects of bankruptcy and ways to help your credit after bankruptcy.

Magnifying glass over the words "credit report"

What is a Delinquent Account on a Credit Report?

Do you have a delinquent account on your credit report? Here's what a delinquent account means and how to get rid of a delinquent account.

Cropped photo showing a parent holding their child's hand in the outdoors.

Does Child Support Affect Your Credit?

Can child support show up on your credit report? Yes, It can! Learn why child support can be on your credit report and how to remove it.

Financial abuse can affect an elderly person's credit.

How Financial Abuse Can Impact an Elderly Person's Credit

Elder financial abuse can negatively impact a senior’s credit. Learn how to monitor credit for signs of elder financial abuse and report it.

Hand writing home budget with calculator.

How Can Budgeting Help Your Credit Score?

Can creating a budget help your credit scores? Learn the benefits of a budget and how it can affect your credit over time.

Difference Between a Credit Freeze and Credit Lock

What is the Difference Between Credit Freeze and Credit Lock?

There are steps you can take to help protect your identity and your credit. This includes a credit freeze or a credit lock.

Blackbaud Faces Criticism for Paying Ransom in Data Breach

Blackbaud Faces Criticism for Paying Ransom in Data Breach

Blackbaud, a cloud computing provider that focuses on serving nonprofits and universities, is facing criticism for paying ransom in data...

Instacart customers' personal information is for sale on the dark web.

More than 275,000 Instacart Customers’ Personal Information for Sale in Dark Web Stores

A new report found that the personal information of 275,000 Instacart customer accounts is for sale in two dark web stores...

3 tips for creating stronger passwords

3 Tips for Creating Stronger Passwords Online

Reusing the same passwords for multiple accounts, writing down passwords on a piece of paper or using common passwords can make it easy...

Man typing on a keyboard with a lock symbol above it to represent the warning signs of identity theft

Signs of Identity Theft Every Millennial Should Know

Wondering if your identity has been stolen? Here are the signs of identity theft that you need to look out for.

Frustrated mature couple looking at piece of paper.

How Does Identity Theft Affect Your Credit Score?

Learn how identity theft can affect your credit score, how you can detect identity theft on your credit report, and more.

A hand and a good credit sign.

How Credit Report Monitoring Can Help Your Credit Scores

Monitoring your credit report can help your credit scores.

Financial abuse can affect an elderly person's credit.

How Financial Abuse Can Impact an Elderly Person's Credit

Elder financial abuse can negatively impact a senior’s credit. Learn how to monitor credit for signs of elder financial abuse and report it.

Do You Need to Notify Credit Bureaus About a Death?

When a loved one dies, it's crucial to notify the credit bureaus about the death. Learn how to report it and what happens to their credit.

Make credit resolutions for this New Year

3 Credit Resolutions to Make This Year

In this New Year, it’s a good idea to make some resolutions that can help you maintain a stronger credit score. Here are three credit...

Happy couple holding keys to house with smile

How to Save For a Down Payment in 2024

Planning to buy a home in 2024? Learn nine ways that can help you save for a down payment on a home this year.

Close-up view of man and woman making account of family income.

How to Manage Money as a Couple

Learn how to manage money as a couple with seven tips and answers to frequently asked questions about money management.

Man looking at his credit card in front of a Christmas tree

What is a Holiday Loan?

Learn what a holiday loan is, pros and cons of holiday loans, tips to managing holiday loan repayments and how to help avoid financial strai

Women shopping online during Christmas

10 Strategies to Save on Holiday Shopping

Learn how to save on holiday shopping with 10 curated strategies including sales, homemade gifts, buying in bulk, and more.

Young family man and woman checking household budget expenses using mobile smartphone app against background house.

How Does a Personal Loan Affect Your Credit?

Learn how a personal loan can affect your credit, specifically focusing on the positive and negative credit effects of personal loans.

Confused girl using smartphone at home

How Does a Collection Impact Your Credit Score?

Learn what a collection account is, how collections impact your credit score, how long they stay on your credit report, and more.

Financial abuse can affect an elderly person's credit.

How Financial Abuse Can Impact an Elderly Person's Credit

Elder financial abuse can negatively impact a senior’s credit. Learn how to monitor credit for signs of elder financial abuse and report it.

Work-from-home cybersecurity tips during COVID-19

Cybersecurity Tips for Those Working From Home During the COVID-19 Pandemic

Protecting your company’s data and your personal data is essential. Here are some cybersecurity tips for those working from home.

jar of various dollar bills

Take Quick Action to Save Time and Money if You're the Victim of Identity Theft

The quicker you take action, the faster you can recover from identity theft and save time and money.

identity thief looking at phone

Synthetic Identity Theft on the Rise

Synthetic identity theft is one of the fastest-growing new account frauds. Monitor your credit and identity to help keep protected.

3 tips for creating stronger passwords

3 Tips for Creating Stronger Passwords Online

Reusing the same passwords for multiple accounts, writing down passwords on a piece of paper or using common passwords can make it easy...