Does Credit Card Fraud Affect Your Credit Score?

Credit card fraud involves someone using another person's credit card information to purchase goods and services illegally without their knowledge. Credit card fraud is a very common form of identity theft that has existed for a long time. As the use of credit cards...

What is a Good Length of Credit History?

Have you ever wondered how long your credit history should be? Is there an ideal length? Does the length of your credit history affect your credit scores? This blog explains what your credit history is and how it affects your credit scores. What is Credit History?...

Why Do I Have Different Credit Scores?

Have you ever wondered why you have different credit scores from all three major credit bureaus? Let us help explain. The information that gets reported to each credit bureau can be different. And your credit scores might be calculated by different scoring models. So...

Do Taxes Impact My Credit Score?

Do Taxes Impact My Credit Score? When it comes time to pay your taxes, you might wonder what happens to your credit scores if you can’t make the payment or make it late. Read on to find out whether your tax payment can impact your credit score. How Can Taxes Impact My...

What is Tax Debt and How to Handle It

What is Tax Debt? Tax debt is any tax that you owe the IRS. This includes forgetting to pay, file, or even making a mistake on your taxes. Here we help explain tax debt and the best ways to handle it. How Do I Know If I Have Tax Debt? Here are a few ways to know if...

Should I Pay My Tuition with a Credit Card?

Paying for tuition is costly. A college education comes with a hefty price tag, making students wonder how they can cover the cost. That often can lead to the idea of paying tuition with a credit card. While you can pay tuition with a credit card, make sure it's right...

5 Easy Steps to Plan an Emergency Fund

When you least expect it, emergencies happen. Whether big or small, they are unexpected and can severely strain an individual and their financial well-being. Preparing an emergency fund, an account for money to be placed aside to cover unexpected expenses can help you...

How To Pay Off Debt Quickly

Debt is something that most of us have. Debt can allow us to gain access to money when we are in need, then pay back the amount over a certain period. According to CNBC, consumer debt hit a record high of $15.6 trillion last year. People between 40 and 55 have the...

How To Save For Retirement: A Complete Guide

Retirement is supposed to be an exciting time in your life. It’s when you step away from the workplace and get a chance to unwind, sit back and enjoy life. Unfortunately, this is not how things are for people who haven’t saved for retirement. When you fail to save for...

Does Debt Counseling Affect Credit Scores?

Do you have a lot of debt? Do you feel like you're always juggling your bills and trying to keep up with your payments? If so, you might need to consider debt counseling. But does debt counseling affect your credit scores? Debt counseling can be a great way to get...

Recent Articles

Top 10 MyScoreIQ Blogs of 2022

Top 10 MyScoreIQ Blogs of 2022

We compiled a list of our top blog posts from the last year to find out what our audience most wanted to read about when it comes to credit reports and credit scores in 2022. Our most popular topics concerned the different types of information in credit reports and how major life milestones can affect your credit. These were the most searched and visited topics on the MyScoreIQ blog in 2022: Can Old Addresses Be Removed from Your Credit Report?...

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Your Guide to Financial Wellness

Your Guide to Financial Wellness

Finances are something that many people struggle with. Many report living paycheck to paycheck, often not considering savings and the future. An article from Zippa reports that about 125 million Americans live this way, which makes up over half of the population. Most people who live paycheck to paycheck fall within the lower income groups. Working on your financial wellness and breaking free from this lifestyle can be tricky when you have a...

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Does a Grace Period Affect Your Credit Score?

Does a Grace Period Affect Your Credit Score?

A frequently asked question in the credit world is what is a grace period? And how does it affect your credit scores? Here is information on how a grace period works, what it means, and the impact it can have on bad and good credit scores. Statistics from Forbes show that during the COVID-19 pandemic, 75% of Americans missed credit card payments, and only 29% of cardholders understand their credit card benefits. So, here are some essential...

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Do Credit Scores Update on Holidays?

Do Credit Scores Update on Holidays?

With the holiday season in full swing, it's normal to get caught up in searching for the right holiday gifts, planning parties, sending greeting cards and opening your home to family and friends. But if you wish to keep your credit health in check during this period, it's wise to pay special attention to your credit report and credit scores. But do credit scores get updated on holidays? Well, here’s what you need to know. Do Credit Scores...

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What Does a Tri-Merge Credit Report Mean?

What Does a Tri-Merge Credit Report Mean?

Your credit report is a record of your credit history. It includes your credit accounts, such as mortgages, auto loans and credit cards. Your credit report also provides information about your payment history, work history, addresses and the number of credit inquiries and by whom. The credit reporting bureaus are organizations that keep track of your credit history. There are three major credit bureaus in the United States: Equifax®, Experian®,...

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How Do You Negotiate with a Debt Collector?

How Do You Negotiate with a Debt Collector?

When you become delinquent on a debt to a business or creditor, the debt may be sold to a third-party debt collector. The debt collector can contact you to settle the debt and can even file a lawsuit against you if you won’t pay. If you don’t think the debt is legitimate, you may be able to dispute the debt and get it dismissed entirely. But, if the debt is legitimate, it’s generally a good idea to settle it so that it shows up as paid on your...

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