Articles - MyScoreIQ

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

Millions of Americans are on the brink of a credit crisis as student loan delinquencies are now starting to appear on credit reports for the first time since the pandemic. According to a recent analysis by the Federal Reserve Bank of New York, more than 9 million...

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Do You Have to Pay a Loan Application Fee?

When you’re preparing to submit a loan application, the lender may inform you they charge a loan application fee. These fees reduce out-of-pocket processing costs for the lender and make their borrower transactions more profitable. Loan application fees are common...

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What Are the Basic Types of Credit Cards?

IDIQ is not a bank, lender, tax advisor, or insurance company. Offers made on this page may come from our advertising affiliates, and we may earn a commission when you purchase products or services. There are many credit cards to choose from, which might be...

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Can Old Addresses Be Removed from Your Credit Report?

It makes sense for your credit report to contain old credit account information or even loans you settled years ago. But, sometimes, you might be surprised to find old or inaccurate addresses. Don’t worry – most people often find themselves in this situation. So, why...

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When Is Debt Relief Necessary?

Are you drowning in debt, struggling to keep up with payments? Debt relief can be a lifeline. But what exactly is debt relief? When is debt relief necessary? This article explores what debt relief is, the signs that you might need it, and the different options...

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Why Credit Monitoring is Essential for Veterans

Veterans and service members face unique challenges, especially when it comes to credit health. Strong credit is essential, as it affects access to important needs like housing, loans, and a secure financial future. Credit monitoring helps veterans and active duty...

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What Happens If You Go Over Your Credit Card Limit?

Trying to keep your spending under your credit card limit can be stressful. Sometimes, using up almost all of your available credit might be necessary. But what happens if you go over your credit card limit? Credit cards are crucial for managing daily expenses and...

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What is Credit Monitoring and Why is it Important?

Credit monitoring refers to a tool that alerts you of changes in your credit report and credit scores. It’s a great tool if you want to work on your credit and financial health because it allows you to watch your progress and adjust your behavior to reach your credit goals.

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How to Improve Your FICO® Auto Score

Looking to buy your dream car? Having a strong credit score is an important early step in the process. Your creditworthiness determines the terms of your auto financing, making it crucial to understand how to enhance and maintain a strong credit profile. The most...

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Does Debt Relief Hurt Your Credit?

Are you struggling with debt, overwhelmed by multiple payments? You're not alone. Many people find themselves in this situation, and debt relief programs may seem like a tempting solution. But before diving in, a critical question emerges: does debt relief negatively...

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Recent Articles

How Do Your Credit Scores Affect Your Mortgage Rates?

by Kristin Hudson | Aug 26, 2020

Looking to buy a new home or refinance your current mortgage loan? Your credit score plays an important role in determining your mortgage rates.

How to Close Joint Credit Cards After a Breakup

by Kristin Hudson | Aug 17, 2020

It’s a good idea to close joint credit cards after a divorce or breakup. Here are some tips on how to close joint credit cards effectively.

Is Your Lender Using FICO® Scores? It Pays to Know

by Kristin Hudson | Aug 10, 2020

There are different credit scoring models, but they don’t all carry the same weight with lenders. In fact, 90% of lenders use FICO® Scores, according to Fair Isaac Corp.

Blackbaud Faces Criticism for Paying Ransom in Data Breach

by Kristin Hudson | Aug 10, 2020

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

Who is Affected in a Data Breach?

by Kristin Hudson | Jul 29, 2020

There are two main groups that are affected in a data breach: the organizations that experience a data breach and the individuals who have personally identifiable information stored in the company’s database.

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

by Kristin Hudson | Jul 24, 2020

A new report found that the personal information of 275,000 Instacart customer accounts is for sale in two dark web stores. Instacart officials said they are not aware of a data breach.

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

by Kristin Hudson | Jul 20, 2020

With many working from home for the unforeseen future during the coronavirus pandemic, cybersecurity at home should be top of mind. Protecting your company’s data as well as your personal data is essential during this time. 4 Cybersecurity Tips to Help Protect Your Data 1. Use a Virtual Private Network (VPN) A business VPN allows for data to be transmitted securely by using an encrypted tunnel. This allows for communication between a company...