No Credit or Bad Credit – What’s the Difference?

Having no credit and bad credit often get grouped together, but the two situations aren’t the same. And understanding the difference between the two is a key step toward reaching your financial goals. Knowing the right way to positively impact your credit often...

Student Credit Cards Can Help Students Establish Credit

As college students spend the summer working or taking summer courses, now is the time to work on establishing financial independence before they graduate. Having a strong credit history can help students apply for loans or credit, get an apartment or even land a job....

3 Pitfalls to Avoid with the ‘Buy-Now-Pay-Later’ Trend

The “buy-now-pay-later” trend (BNPL) is rapidly becoming a preferred method of payment, but consumers should understand how these plans work to avoid some related pitfalls, such as negatively impacting their credit. BNPL is marketed as an alternative to credit cards...

How Often Is New Information Submitted to Your Credit Report?

The information in your credit report is constantly subject to change as new information is added and old or inaccurate information is removed. But it can be difficult to predict when your credit report receives updates, as there is no universal standard for when...

Here’s What You Need to Know About Personal Debt ‘Parking’

Have you applied for a loan only to learn that your credit report is marred by a delinquent debt — one that you have already paid or maybe don’t recognize? You may be a victim of debt parking.In case you didn’t know, debt parking is when a collection agency secretly...

How a Good Credit Mix Can Positively Impact Your Credit Score

Your credit mix is important to you and your FICO® Score because it is one of the factors creditors assess when evaluating the risks of lending you money. When it comes to working on the credit mix, we recommend letting your credit diversify organically over time as necessary.

When Being Sick Negatively Impacts Your Credit

Many millennials are finding themselves coping with chronic health conditions — more so than previous generations. About 44% of older millennials born between 1981 and 1988 report having been diagnosed with at least one chronic health condition, according to a recent...

How a Credit Score Simulator Can Help You Make Financial Decisions

Your credit score can affect many financial decisions you make in your life, which is why it’s a good idea to keep it in a desirable range. Our credit scores reflect our financial standing and can typically change after we make a significant financial move such as...

What Should You Do When a Debt Collector Calls?

Debt collectors may act aggressively on the phone to get you to pay them ASAP, so it’s important to remember that you have rights that give you certain protections, including time to figure out the debt.

Consumer Debt Surges Post-COVID-19 Lockdown, Here’s How to Stay in Check

More Americans are turning to credit as they deal with the prolonged economic uncertainty created by the coronavirus pandemic. In this article we discuss some steps you can take to lower your debt burden.

Recent Articles

What is a Business Credit Score?

What is a Business Credit Score?

Individual consumers aren’t the only parties who get assigned a credit score. Businesses also have credit scores, and they are used by creditors and other third parties to evaluate the financial health of a company. When businesses wish to take out a loan, the lender can pull their business credit score to decide whether to extend them credit and determine the terms of that credit. A company may even pull another company’s business credit score...

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What Are the Three Major Credit Bureaus?

What Are the Three Major Credit Bureaus?

A credit bureau is an agency that gathers data about your finances, business, income, banking status, debts, etc., to find out your financial credibility. A credit bureau may collect this data from the taxes you pay, the property you purchase the bank whose services you use, and so on. Credit bureaus have quite a few roles to play in the finances and investments sector. A credit bureau calculates your creditworthiness and builds your credit...

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What is a Credit Report?

What is a Credit Report?

A credit report is a record of your history managing and repaying debt. It is designed to inform lenders about your reliability as a borrower when they’re deciding whether or not to approve you for credit.

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*Source: Fair Isaac Corporation.

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