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?...
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...
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...
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...
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®,...
How Do I Know My Billing Cycle?
Do you know what your billing cycle is? Here’s how you can find out when your billing cycle starts and ends and how it impacts credit scores.
What Happens to Your Credit When You Get Evicted?
When you are facing eviction, how does this affect your credit score? Learn how an eviction can affect your scores.
How Credit Report Monitoring Can Help Your Credit Scores
Monitoring your credit report can help your credit scores.
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...
How Does Your Income Impact Your Credit Score?
Can your income affect your credit score? Here’s what you need to know and ways to help your credit scores on a low income.
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