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At What Age Can You Start Building Credit?
There’s never a bad time to start building good credit, but there is definitely a good time to start: as early as possible. The earlier someone starts building credit, the easier it will be to seek...
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Is There Such a Thing as Too Much Credit?
Those in the know about credit (as you probably are, since you’re reading our articles!) will remember that credit utilization is one of the biggest factors that influence your credit score. To be...
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Is a Balance Transfer Worth It? How to Know if It’s Right for You
Balance transfers are a bit of a controversial topic in the world of credit and credit repair. They can be a wonderful tool for helping consumers get out of credit card debt without being crushed by...
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Credit Reports: What You Need to Know
Nearly half of Americans believe a credit score and a credit report are the same thing, according to a study by the American Bankers Association. That’s a big problem because it means many of us are...
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What Are Credit Scores and How Can Tradelines Help?
When it comes to credit scores, there’s a lot of confusion and misinformation out there. Credit scores impact our lives in more ways than you might think, yet, unfortunately, they are complicated and...
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The Fastest Ways to Build Credit [Infographic]
There are plenty of articles out there about the fastest ways to raise a credit score, but the focus of this article and infographic is a bit different. Rather than giving you shortcuts on how to boost...
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What Is Piggybacking for Credit?
What is credit piggybacking? If you’re not sure what this strange term could possibly mean, you’re definitely not alone. Credit piggybacking, also referred to as “credit card piggybacking” or...
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At What Age Can You Start Building Credit?
There’s never a bad time to start building good credit, but there is definitely a good time to start: as early as possible. The earlier someone starts building credit, the easier it will be to seek...
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Credit Mix: Do You Need to Care About Types of Credit?
Mix of credit comprises 10% of a FICO score. 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...
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Are Revolving Accounts More Powerful Than Installment Accounts?
Revolving accounts and installment accounts are both important account types when building credit, but they are not equally powerful when it comes to your credit score. Which type of account has a...
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The Surprising History of the Credit Bureaus
Most of us have credit reports assembled about us by the credit bureaus, yet few of us know about the surprising history of credit reporting. The credit bureaus as we know them today grew from small,...
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How to Fix the Most Common Credit Report Errors
Did you know that about a quarter of all consumers may have errors on their credit reports? Unfortunately, it’s true. In 2017, the most common complaint received by the Consumer Financial Protection...
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This Is How a Rapid Rescore Can Boost Your Credit Score Fast
If you’ve just resolved some errors on your credit report or paid down your balances and you’re wondering how to update your credit report information fast so that you can improve your credit rating...
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What Is Bad Credit and How Can It Affect You?
Bad credit is something we all fear, but what is actually considered poor credit and how could it affect you? In addition to explaining what bad credit is and why you need to avoid it, we’ll also...
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Is a Balance Transfer Worth It? How to Know if It’s Right for You
Balance transfers are a somewhat controversial topic in the world of credit repair and debt payoff. They can be a wonderful tool for helping consumers get out of credit card debt without being crushed...
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How to Increase Your Credit Limit
If you have credit cards with low credit limits, you may be interested in increasing your credit limit. In this article, we’ll talk about why your credit limit is important, reasons to increase your...
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Easy Credit Hacks That Will Actually Get You Results
Credit repair can be a long and difficult process, especially if you have very bad credit. Getting results from credit repair can take months, and it takes years to build or rebuild a solid credit...
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What Is a Derogatory Item on Your Credit Report?
Derogatory items on your credit report can be a big problem for your finances. These negative marks can stay on your credit report and damage your credit scores for several years. Fortunately, there...
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FICO 10: What You Need to Know About the New Credit Score
FICO, the company behind the creation of the original FICO credit score and its many subsequent iterations, has announced the latest model in their line of credit scoring algorithms: the FICO Score 10...
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How Do Closed Accounts Affect Your Credit?
Most of the time, when we talk about credit, we are talking primarily about the impact of open accounts. But are we underestimating the importance of closed accounts? Let’s shed some light on the less...
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