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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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How to Protect Your Finances and Credit During the Pandemic
The COVID-19 pandemic has suddenly thrown the entire country into a state of fear and uncertainty. Most businesses are closed or restricted and many Americans are unable to work, which means millions...
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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 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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Are Inquiries Really Killing Your Credit? What You Need to Know
People often point the finger at credit inquiries as the cause of their bad credit, but is this blame justified? Can inquiries really kill your credit score? Keep reading to find out the difference...
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Collection Accounts on Your Credit Report: The Ultimate Guide
Collections, which are major derogatory items, are one of the worst things to have on your credit report. They can damage your credit score significantly for a long time—up to seven years. This...
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Business Credit Starts With Personal Tradelines
Many people dream of starting their own business one day, but not everyone can fund their business ventures with their own savings. Most entrepreneurs will probably want to apply for business credit at...
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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 realize that this credit score is not your FICO score. So what is a VantageScore credit...
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Credit-Builder Loans: Can They Help You?
If you have bad credit or no credit at all, you’ll likely have a hard time getting a loan. After all, the paradox of credit is that it’s hard to get credit without already having a credit history,...
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What Is the Difference Between Individual and Overall Credit Utilization Ratios?
What is the difference between your overall credit utilization ratio and individual utilization ratios and why does it matter to your credit? Keep reading to find out. What Is Credit Utilization?...
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Tradelines: What You Should Know About Building Credit
We all know that credit history is important because it’s how lenders, landlords, and sometimes even employers assess our creditworthiness. Anytime you apply for a loan or credit card, the lender will...
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What Are Credit Scores?
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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How to Get an 850 Credit Score [Infographic]
People who are serious about improving their credit often wonder what it takes to get the highest possible credit score. For the FICO 8 credit scoring model, the perfect credit score is 850. As of...
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FICO Resilience Index: Should You Be Worried? [Infographic]
FICO, the maker of the FICO credit scores that are commonly used in lending decisions, has created a new type of credit scoring tool to help lenders better evaluate credit risk in today’s shaky...
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Can Alternative Credit Data Help the Credit Invisible?
26 million consumers in America have no credit record whatsoever. On top of that, there are an additional 19 million consumers who do have credit files, but they do not contain sufficient credit...
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Collection Accounts on Your Credit Report: The Ultimate Guide
Collections, which are major derogatory items, are one of the worst things to have on your credit report. Like other negative information on your credit report, collections can damage your credit score...
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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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What Are Credit Scoring “Buckets?”
This article was contributed by credit expert John Ulzheimer. Most of the time when I’m asked about credit scores the line of questioning is commonly about how to improve scores. It’s equally often,...
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What’s the Difference Between Credit Repair and Adding Tradelines?
This article was contributed by credit expert John Ulzheimer. I was speaking to a consumer group recently and the topic of credit repair came up as a discussion point. I fielded questions about...
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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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