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How to Improve Your Credit Score in 2024
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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Credit Card Credit Building—2024 Best Cards for Credit Building
If you need help building your credit, the right credit card can make all the difference. Unfortunately, it can be challenging to pick through the advertisements to find the right credit card for your...
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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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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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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, consumers have...
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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 (CFPB) calls “credit...
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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 have realized that this credit score is not the same as your FICO score. So what is a...
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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...
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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...
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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 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...
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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...
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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...
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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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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...
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