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credit scores Tag

We all know that paying our bills late can damage our credit score. And most of us know that having too much debt is a challenge, too. However, there are some seemingly harmless things that can harm your credit as well. Here are some surprising things...

What is Bad Credit? Bad credit means you’ve been labeled untrustworthy like the boy who cried wolf. Lenders don’t want to let you borrow money, and if they do, it’s going to be at a very high interest rate. You look like a risk to them...

Credit Score Basics A credit score is a three-digit snapshot of your creditworthiness. Several different versions exist, from the ever-popular FICO to VantageScore and RiskView. Some are customized for mortgage lenders while others are customized for auto lenders. The usual range of these credit scores is...

Student Loans Your Credit Score Your student loans are a reflection of the dreams you had when you started school. But now your financial goals are at risk because of those loans. You may have heard that paying off student loans too fast can hurt your...

FCRA, The Fair Credit Reporting Act October 26, 1970 was the day the Fair Credit Reporting Act started protecting you against mishandling of your credit information and gave you access to review it yourself. But why is the FRCA a big deal? In the wild days before...

What is a FICO Score? FICO is a software company that invented the credit score. Before it existed, lenders had to review your credit history and determine if you met their criteria for a loan. This could take a while, and was subject to individual opinions...

It’s technically your credit score, but it can feel like the number that inmates get when they enter a prison. It soon becomes one of your identifying factors. You are no longer Mark or Lisa. You are 750 if you’re lucky or 500 if you’ve hit...