Credit Utilization Ratio: All You Need to Know
Endeavor to keep your credit utilization below 30%. That’s the key to harnessing the “amounts owed” component of your credit score and keeping your credit healthy.
8 Reasons Your Credit Score Dropped and 6 Ways To Fix It
A sudden drop in your credit score can cause anxiety, but by identifying and correcting the issue you can get your score back up in no time.
What Is a Hard Inquiry?
Hard inquiries happen when an authorized person or entity requests a copy of your credit reports. Hard inquiries are also known as “hard pulls” or “hard credit checks.” They’re usually standard when applying for credit.
How Long Do Late Payments Stay on a Credit Report?
Late credit card payments can cause your credit scores to drop. Learn how long they stay on your credit report and whether you can ever get them removed sooner.
Which Credit Score Do Mortgage Lenders Use?
Looking to take out a mortgage? It’s important to find out what credit scores mortgage lenders use so you can put your best financial foot forward.
How Long Does It Take (and Tips) to Improve Your Credit Score?
Wondering how long it will take for your credit score to rise after a negative mark? Learn how certain events and factors impact your credit score in this article.
Best Credit Cards for People with No Credit History in 2023
Are you new to the world of credit and want to start building a credit history? Check out this guide on the best credit cards for people with no credit.
What credit score do I need to buy a house?
A credit score in the “good” or “excellent” range is ideal for mortgage approval, but borrowers with lower scores can find options as well.
What Is a Soft Inquiry? All You Need To Know
A soft inquiry is a credit check (performed by you or someone else) that doesn’t affect your credit score.
What Affects Your Credit Scores?
Your credit score can significantly impact your ability to qualify for loans and credit cards. Learn what affects your credit score so you can work toward a positive financial future.
Is a 760 Credit Score Good or Bad?
A 760 credit score is considered in the “good” to “very good” range and can help ensure approval for the best loans and credit cards.
What Is a Good Credit Score?
A credit score of 670 and up is usually considered good. If yours is lacking, there are several ways you can work on improving it.
Is a 680 Credit Score Good or Bad?
A 680 credit score is considered “good,” but there’s still room for improvement if you want to be approved for the best credit cards and loans.
What Are the Different Credit Scoring Ranges?
There are four broad credit scoring ranges: Bad, fair, good, and excellent. Knowing where your score falls is important if you plan on applying for credit.
What Is a Delinquency on a Credit Report?
Credit report delinquencies can cost you credit score points, but it's possible to avoid them if you pay bills on time.
Bad Credit: Definition, Impact and How To Improve
A bad credit score isn’t the end of the world. With the right plan and solid determination, you can repair your credit score in around a year.
