Term: credit score
24 found

My Free Credit Scores Are All Different. What Gives?

By Steven Shaw on 7/6/2016

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There are lots of places that offer free credit scores nowadays, but not every score is the same. Even when you pull your free credit scores, chances are the scores will be different.

Why is that?

Why Are There Errors on My Credit Report?

By Steven Shaw on 1/13/2016

credit card debt

Like baseball, apple pie and binge-watching TV shows on Netflix, finding errors on your credit report has become a national pastime — it’s just a pastime that no one really enjoys.

According to a report from the Federal Trade Commission, one in five Americans have errors hiding on their credit reports. Seems like a large number? It is, considering how important your credit is to buying a house, applying for a credit card and even just getting a cellphone.

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credit score

How to Make Sense of Your Free Credit Scores

By Steven Shaw on 10/30/2015

make-sense

You’ll never be able to keep track of all your credit scores — there are just too many. They vary in how they’re calculated, the scale by which they’re measured and the information on which they’re based, leaving consumers with a pile of numbers that may not make a lot of sense. Luckily, you only need to watch one score to understand the basics.

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credit scores
Free Credit Reports

Millennials Have Low Credit Scores: Here’s What They Can Do About It

By Steven Shaw on 8/10/2015

millennials low credit scores

Have you heard? Millennials have the worst credit scores of any generation. The data point plays well with one of Americans’ favorite pastimes: discussing the dismal state of the nation’s youngest consumers.

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millennials

Who’s Not Allowed to See Your Credit Score?

By Steven Shaw on 7/31/2015

credit score

One of the most common complaints about credit scores isn’t even true — that your employer or potential employer can see your credit score.

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credit score

5 Common Credit Score Killers

By Steven Shaw on 7/23/2015

credit score killers

Having a good credit score can help you save a lot of money over your lifetime, but many people find themselves with scores lower than they’d like because they don’t know how much everyday things can hurt their scores.

Of course, once you know what those things are, you’re better equipped to improve your credit. Here are five common things that can hurt your credit:

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credit utilization rate
identity theft

How Fast Can a Secured Credit Card Improve My Credit?

By Steven Shaw on 2/24/2015

How Fast Can a Secured Credit Card Improve My Credit?

If you’re trying to build credit for the first time or improve a credit score damaged by past financial problems, you may have heard advice about using a secured credit card. Using a secured card can be an effective way to establish a positive credit history, but it’s not a one-size-fits-all strategy. For some consumers, using a secured card can help their credit within as little as six months of opening the account — for others, notable improvement can take much longer.

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building good credit
credit score
secured card
Secured Credit Card

How to Make Sense of All of Your Free Credit Scores

By Steven Shaw on 2/10/2015

free credit scores

There’s a lot of good that comes as a result of more banks and credit card issuers providing their customers with free credit scores, like more informed and credit-savvy consumers. At the same time, the increasing number of free scores is a little overwhelming, leaving consumers to wonder how to digest all the information.

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Free Credit Scores

5 Ways to Improve Your Credit Score in 2015

By Steven Shaw on 1/5/2015

good credit

The new year is a time for resolutions, new beginnings and (hopefully) a higher credit score. It may be the last thing you are thinking about this holiday season, but your credit score can affect your mortgage, your job potential and, ultimately, your life. So, now is the time to start thinking about, monitoring and improving it. Make 2015 the year you improve your credit score with these five tips.

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credit scores
Improve Your Credit Score

Are Credit Scores Just a Scam?

By Steven Shaw on 10/2/2014

credit scores scam

It sounds like something straight out of the conspiracy theorist’s playbook: a secret system that enslaves average citizens who don’t even know what’s really happening.

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credit scores
FICO
FICO credit score
FICO Score