Clik here to view.
VantageScore vs. FICO Score: What’s the Difference?
If you monitor your credit using a free website, chances are, you’ve seen your VantageScore. However, you may not have realized that this credit score is not the same as your FICO score. So what is a...
View ArticleClik here to view.
What Is a Derogatory Item on Your Credit Report?
Derogatory items on your credit reports can be a big problem for your finances. These negative marks can stay on your credit reports and damage your credit scores for several years. Fortunately, there...
View ArticleClik here to view.
Credit Mix: Do You Need to Care About Types of Credit? [Infographic]
Credit mix, also called mix of credit, is one of the factors that your credit score takes into account. It is one of the least important factors, weighing in at 10% of a FICO score. However, it’s still...
View ArticleClik here to view.
Can Inquiry “Bumpage” and “Choppage” Help Your Credit?
Some folks in the field of credit repair claim that hard inquiries can be “bumped” or “chopped” off of your credit report through the processes of inquiry “bumpage” and “choppage.” What do these terms...
View ArticleClik here to view.
What Is Bankruptcy and How Does It Impact Your Credit?
When you file for bankruptcy, it’s usually because you have no other option for your finances. Although it might be the right choice for your situation, the decision to file for bankruptcy will have a...
View ArticleClik here to view.
How to Grow a Thin Credit File
A thin credit file can be problematic. Although your finances may be completely stable, a thin credit file can make it challenging to access financing for major purchases when you need it. The good...
View ArticleClik here to view.
How to Protect Your Credit Score When You Have an Irregular Income
An unpredictable income often comes hand in hand with the freelancer or gig worker life. The freedom and flexibility you have over your work are empowering. But an unpredictable income can make...
View ArticleClik here to view.
Why Did My Credit Score Go Down?
It’s never a good feeling when you notice that your credit score has dropped. You might feel confused or concerned, and you would probably wonder why your credit score took a dip. Let’s explore some of...
View ArticleClik here to view.
Insider’s Guide to Buying Credit Repair
Most ratings and buyers’ guides of credit repair companies are nothing more than paid advertisements—but not here! Here is the insider’s guide to the good, the bad, and the ugly credit repair...
View ArticleClik here to view.
What Is Buy Now Pay Later and How Does It Affect Your Credit?
If you are a regular online shopper, the rise of Buy Now Pay Later (BNPL) options likely hasn’t escaped your notice. When you reach the checkout of most major online retailers, you’ll have the...
View Article