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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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Financial Skills to Master for a Better Credit Score
Financial skills take time to learn and master. Although it would be nice if we all came into the world with top-notch financial skills, that’s simply not the reality of our world. Instead, it takes...
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How to Build Credit Fast [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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Metro 2, e-OSCAR, and the Credit Repair Dispute Process
In credit repair, the credit dispute process involves the use of two systems called Metro 2 and e-OSCAR. If you are unfamiliar with these terms, as is likely the case for most consumers, then keep...
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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...
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Insurance Basics You Should Know to Protect Your Credit Score
Like having the right credit score, choosing the appropriate insurance policies has a big impact on your financial health. Without the right insurance policies, it is easy to get caught in a financial...
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How to Protect Your Credit Score From a Layoff
Fears of a recession in the economy have been floating around for months. According to the National Bureau of Economic Research, we aren’t in a recession. However, thousands of workers were laid off by...
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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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How to Improve Your Credit Score in 2023
While your credit score is just a three-digit number, it can have a big impact on your life. When building your life in the midst of economic uncertainty, a good credit score is an even more important...
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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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What’s the “Right” Number of Credit Cards?
This article was contributed by credit expert John Ulzheimer. How many times have you read a blog or heard some financial “guru” opining as to the mystical “right” number of credit cards to have in...
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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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How to Build Credit Without a Credit Card
A good credit score is a key to accessing financing options on major purchases. Building credit can be easier said than done. One popular way of building credit is to use a credit card. But that’s not...
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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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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. According...
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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 Is the Difference Between Individual and Overall Credit Utilization Ratios?
You may already be aware that your credit utilization is a major component of your credit score, but did you know that this category encompasses more than one type of utilization ratio? In this...
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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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How Credit Score Ranges Matter
Financial and lending institutions use credit scores to determine how likely someone is to repay a loan. The average FICO credit score in the United States is 714, but that number varies significantly...
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6 Reasons Why Having a Good Credit Score Matters
You’ve likely heard that having a good credit score is important. But why does this three-digit number matter so much? It can impact your finances in many ways. Whether you want to make a major...
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