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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...
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Let’s Get to the Bottom of These Credit Myths
Myths and misinformation about credit scores, credit reports, and credit repair are extremely common. Unfortunately, many people believe these myths, and their credit suffers as a result of taking...
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Want to See Your FICO Score for Free? Here’s How to Do It
The vast majority of lenders use your FICO credit score to evaluate your credit risk as a consumer when they are deciding whether or not to extend credit to you. And yet, historically, it has been...
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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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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...
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What Does It Mean to Be Credit Invisible?
Here’s a number that may shock you: about one in five American adults do not have a credit score. About 26 million consumers are what the Consumer Financial Protection Bureau calls “credit invisible,”...
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Are There Negative Items That Can Stay on Your Credit Forever?
In credit reporting, negative information can only stay on your credit report for a maximum of 10 years for a Chapter 7 bankruptcy and seven years for everything else—right? The Fair Credit Reporting...
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Will These Strategies Help You Get More Credit Score Points?
Everyone wants to get a higher credit score, but not all of the “hacks” or tips being promoted actually help you get more credit score points. In a Credit Countdown video on our YouTube channel, credit...
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FICO 10 and FICO 10T Explained by a Credit Expert
FICO 10 and FICO 10 T are new credit scoring models developed by FICO that have the potential to change the credit industry in a major way. Credit expert John Ulzheimer, who worked for FICO for seven...
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Are Credit Sweeps Legal or Will They Get You in Trouble?
Credit sweeps are a heavily advertised and promoted service among credit repair companies. Unfortunately for many unsuspecting consumers looking to improve their credit, the credit sweep is a...
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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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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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Master Credit-Building in Less Than 7 Minutes
A credit score is a three-digit number that can greatly impact your life. The seemingly small number reflects a measure of your creditworthiness, which can have an outsized effect on your finances. A...
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How Credit Score Ranges Matter
Financial and lending institutions use credit scores to determine how likely someone is to repay a loan. According to FICO, the average credit score in the United States stands at 716, but that number...
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Why Age Is the Most Valuable Factor of a Tradeline
Length of credit history, also referred to generally as credit “age,” is one of the five main factors in the credit score algorithm, making up roughly 15% of one’s credit score. FICO breaks up this...
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The Ultimatum on Poor Credit Scores—Essential Pivots for Poor Credit Scores
By Moriah Chase Credit scores are an important part of your financial health. They tell lenders how worthy you are to borrow money based on your previous history of paying it back. There are many...
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Credit Repair vs. Tradelines [Infographic]
Perhaps the title “Credit Repair vs Tradelines” is not entirely accurate, but this is a common way that many consumers think of the two industries and even many credit repair companies as well. In...
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How to Use Debt Consolidation to Boost Credit Scores
Have you found yourself with a bunch of smaller balances on credit cards that have you juggling multiple payment dates? It can be overwhelming to try and manage several different cards. If you’ve found...
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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...
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Want to See Your FICO Score for Free? Here’s How to Do It
The vast majority of lenders use your FICO credit score to evaluate your credit risk as a consumer when they are deciding whether or not to extend credit to you. And yet, historically, it has been...
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