Different Types of Scores Help Expand Access to Credit

credit score, credit, Experian, fico score, VantageScore

February 12, 2019
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While you may be familiar with your FICO score, a person’s credit score calculated by the Fair Isaac Corporation, or one of the major credit bureaus, you may not be aware there are several additional types of credit scores. Every American with a social security number or tax identification number that has borrowed money in the past few years has a credit score with ...
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Is Credit Counseling Worth It?

credit score, credit, credit counseling

January 18, 2019
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If you’ve had credit problems or challenges with your personal financial situation in the past, you may have considered hiring a credit counseling agency to help. According to the Urban Institute, 71 million Americans had at least one debt in collections in 2017. Overwhelmed, they may search for help from a credit counseling service.
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Credit Access Set to Expand

credit history, credit report, credit score

August 3, 2018
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Getting credit is about to get easier for people who may have previously struggled to get a mortgage because of their non-existent credit history.
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What Are the Effects of Pulling My Credit?

credit score, pulling my credit, hard inquiry, soft inquiry

July 11, 2018
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Understanding your credit scores and how they can help you is important, and a little knowledge can go a long way. One area that many people don’t understand is what a soft credit inquiry and a hard credit inquiry are and how they differ.
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How To Jump Start Your Credit

credit score, credit, Personal Loans, credit history

June 15, 2018
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Building your credit is an important part of financial stability. Most people don’t know much about credit scores, though. It takes time and a great deal of patience to build great credit.
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How Credit Can Help You

credit score, credit, credit insurance

June 12, 2018
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Having good credit can help you make the most of the money you have. You need a good credit score to qualify for a car loan, mortgage, and credit card. While you may still qualify with a lower score, you may more interest on the money you borrow.
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Helpful Hints for Maintaining Your Credit Score - Boost your Credit Score with a Good Mix of Credit

fico score, credit score, payment history, mix of credit, Personal Loans

June 1, 2018
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You can build and sustain good credit with a personal loan or credit card by making every payment on time. Even if your score isn’t great right now, if you keep your balances manageable and keep up with payments, you’ll be well on your way to building a good FICO or credit score.
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Helpful Hints for Maintaining Your Credit Score - Amounts Owed

credit report, credit score, helpful hints, amounts owed, debt, credit limit

May 25, 2018
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The total amount you owe across all accounts reported to the credit bureaus is the second most important aspect of your FICO credit score. This is also known as your credit utilization, or the amount of credit you are using vs. the amount of credit you have. Your total debt level determines 30% of your credit score.
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Helpful Hints for Maintaining Your Credit Score - Payment History Tips

credit report, credit score, payment history, bills

May 11, 2018
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Payment history tips Did you know that the most important thing you can do to keep your credit score in good shape is to pay your bills on time? Credit history accounts for 35% of your FICO credit score. Making just one payment more than 30 days late could result in a drop in your score and a negative mark on your credit report that lasts seven years.
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Helpful Hints for Maintaining Your Credit Score

credit report, credit score, debt-to-income ratio

May 8, 2018
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What to do first When you have a good credit score you tend to qualify for better interest rates on loans. These can range from personal loans to mortgages. While there are financial products available for nearly any credit situation, good credit generally saves you money in the amount of fees and interest you may pay over the life of the loan.
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