Credit bureaus use credit utilization to see if you are taking on too much debt. Get a better idea of what is a good credit utilization ratio.
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Credit Score articles
Your credit score is the most important piece that banks check when you buy a car, a house, open a bank account or apply for a credit card. Improve and maintain your credit score to meet your future financial goals.
Credit Score articles
Your FICO credit score is one of the most important numbers in your financial life. But how accurate is it? We look at what is made up of.
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What is the minimum credit score needed to buy a house? It’s not quite so simple. Learn more about what lenders look for here.
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If you are wondering what a good average credit score for your age is, you’re not alone. Here are ways to take your scores to a good range.
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FICO score is the most commonly used credit score in the United States. A good FICO score is 700 or higher. Learn more here.
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Three credit scores are available, but which ones do lenders use? Some lenders use them all. We look at how to check your credit scores.
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Debt settlement is better for your credit score than ignoring your debt. Learn how debt settlement affects your credit score.
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Learn if an overdraft can affect your credit score, ways to avoid it, and tools to boost your credit score.
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A 700 credit score is good and can help you secure favorable rates. Find out how you can get a 700 credit score or higher.
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Review the differences between Experian vs. Credit Karma credit monitoring services to apply for financing or get identity theft protection.
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Learn more about how the free service Experian Boost can help you improve your credit score fast. Sign up and see if you can boost your score.
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A good credit score gives you access to low-interest rates, high credit limits, and favorable repayment terms. Read how to boost your credit score fast for free.
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Don’t get fooled by costly myths, here are 10 things you can do to improve your FICO Score. Including some of the fastest options available.
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Here is a brief overview of the three major players and what you should know about this fourth credit bureau. Click to read on.
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Are you wondering if you can get credit score without an SSN? Find out the options available for you to get and improve your credit score.
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Understand the credit score needed to purchase a home. Improving your credit score before applying for a mortgage can save you thousands of dollars a year.
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As all-in-one financial tool, Smart Credit services range from credit monitoring to managing your bills. Make it easier for you to pursue financial health.
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Your credit score impacts your life more than you know. Ready to learn all the credit score basics to get on the road to financial literacy? Read on!
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Everything you need to know about Chase’s services, the pros and cons of using Chase credit score services, and how you can access them.
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Applying for a credit card isn’t always simple. To make it easier, here’s everything you need to know before you apply for a credit card.
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Here we’ll tell you exactly what percentage of Americans have a perfect credit score - and how you can work towards achieving it.
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What’s your credit score attitude? Are you the ultimate credit master? SmartCredit has the tools to help with any approach to credit scores.
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One way to build your credit is to open a credit card. Here are the latest, best credit card rates for bad credit in November 2019.
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Your credit report can be affected by negative items that impact your credit score. Credit repair firm Lexington Law explains what these negative items are, and how to manage them.
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The government has reached a settlement with Equifax after the 2018 data breach. Here’s what the CFPB report says about the Equifax settlement and what you can do next if you were impacted.
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What is a good credit score in 2019? Do the rules to calculate it change each year? Learn how your credit score is calculate and what your number to target to have a good credit score in 2019.
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Credit monitoring services can keep your credit report under scrutiny all the time. It may immediately alert you in case there's any critical change, like identity theft.
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Offers of free credit score reports can be schemes or give you non-FICO information. Learn more about how to find a free (and legitimate) credit report.
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A good credit score don’t just help you secure large loans or home mortgages. Learn more about the everyday benefits of keeping your credit score high.
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A credit score simulator estimates the impact of certain actions on your credit score. Use it to plan credit repair strategies or measure potential setbacks.
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Learn more about why having a 680 credit score can help you get a favorable loan since Banks use your credit score to determine the riskiness of loaning you money.
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Attention, college students! Building an excellent credit score doesn't have to take a lifetime. You can start now with these 3 simple tips.
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You probably check your credit score every so often, but what do you really know about how banks work with credit reporting agencies? Read on to learn more.
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Credit-builder loans are a good way to build up your credit score without a loan. With time, you can prove to lenders that you're a reliable borrower as your credit score will improve.
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There are three major credit agencies. Learn more about the information Equifax, TransUnion, and Experian have the power to collect.
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Find out how to improve credit score in a only four simple and easy steps. Also learn where you credit score comes from and what's used for.
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How can you perform a credit score check? Understand how different types of debt will affect your credit score as a college student.
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Do you wish you could improve your credit score by 100 points? We have found some simple and possible ways to drastically improve your credit score.
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Improve a low credit score to prevent financial doom through the proper strategies, like paying bills or monitoring your credit score.
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Find out who defines the credit score range and if you are in the exceptional, very good, good, fair or (very) poor range.
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Want to know how to build credit? We've provided a guide with three ways you can build your credit history from the ground up.
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What is a good credit score? Most lenders agree that the average benchmark of 700 serves as a good guideline for determining a good credit score.
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Knowing the difference between credit score and credit report is important to your credit health. Read more about both here.
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Are you worried about having a bad credit score? Find here the different bands of credit score and their implications in your financial life.
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Having a good credit score increases your chances of getting a loan or credit card request approved. Learn more about what it is and how to improve it.
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You can perform a free credit check online in just a few steps. It's important to look at your credit report from time to time so that you can take steps to keep your credit score in shape.
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With financial institutions and other entities making decisions off of your credit report, you should know what it entails like the back of your hand more so when it can also indicate if you have been a victim of identity theft.
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Credit scores are not impacted by inquiries known as "soft pulls" - self-checking, background checks, and pre-approvals. Whereas "hard pulls" - done by lenders - can lower a credit score up to 5 points.
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You can achieve the highest credit score by using credit reports and scores as a tool. However, there are differences between them such as the level of available details and other distinctions. Knowing this difference can help in understanding the importance of attaining the highest credit score.
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Checking your annual credit report is vitally important because it both defines and decides your financial health. Experian, Equifax, and TransUnion offer free annual credit reports. It is a good idea to check your credit score when you suspect changes in your credit.
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The best time to improve your credit score is as soon as you start owning a credit card. The longer and credible your credit history, the better the scores. And how long this takes will depend on 3 factors: customer’s starting point, monthly habits, and the understanding of the term “improvement.”
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The answer to the question of how to raise credit score is that you need to establish an account. Whether you open an account with a bank, apply for a single credit card, or become an authorized co-user. Overall you must demonstrate that you are a responsible financial actor.
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The credit score needed to buy a car depends on the lender. Most lenders use the FICO Auto Score when determining risk for auto loans.
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Wondering when does your credit score start? Many people are unsure as to when a record of their credit history begins. Your credit score does not start until you have a line of credit open for at least six months.
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Why are credit scores so important? What exactly is a credit score? Find out! Could knowing your credit score save you a lot of money in the long run? You bet. Is it possible to find out your credit score for free?
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When is your credit score calculated? And what happens to it in between calculations? Learn about the difference between hard inquiries that trigger credit score calculation and soft inquiries that don't affect your credit.
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When is your credit score updated? How often do lenders report account activity to the credit bureaus? Learn the types of information that is updated, how often it is updated, and things you, the consumer can do to speed up the process.
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Safe credit score apps are those that offer monthly reports from the three main bureaus i.e Equifax, Experian, and TransUnion, have a credit simulator, offer tools to send disputes directly to the bureaus and have strong ID protection.
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Learn about ways to improve your credit score to improve your standing with lenders and increase your likelihood of getting approved for a loan. Building up a good credit score, however, isn't an overnight fix and requires you to responsibly manage your credit over time.
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Credit Score to get car Insurance? No if you don’t mind paying as much as 67% more for car insurance. Read on to find out the facts of the matter.
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Many services provide free credit tracking and monitoring which can alert users to fraud and theft. Credit score companies can provide credit scores from all three bureaus. Find out which credit score companies are best for mortgage scoring!
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The difference between credit score and credit rating is important to understand, as the terms are often used with little or no explanation. The bottom line is that it depends on the context in which the terms are used.
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Are credit score and FICO score the same thing? What other credit scores are there? Learn about FICO Score, VantageScore, and more to take control of your credit.
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Why do credit scores change and how often can they change? Your credit score is based on several factors that make up your credit report, and your credit report can change whenever an entity that provides you with credit relays information to a credit reporting agency.
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The reason credit scores are different between agencies includes agencies using different scoring models to calculate your credit score, your credit scores may have been calculated on different dates, your scores may have been calculated using different reports, amomg other reasons.
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What credit score is needed for a credit card? What other factors affect your credit card application? Learn what types of credit cards are available to you, no matter your credit score.
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How our credit scores go up and down could affect our ability to obtain credit or that important loan for an operation. Read on to find out more interesting and surprising facts on how our credit score goes up and down.
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Building your credit score without credit history can be easy if you know what to do. It is best to start your credit history off right instead of trying to fix it later. This article will show you how to get a credit score without credit history.
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Your average credit score can have a huge impact on your ability to make major purchases, as well as get affordable insurance, rent, and utilities. It's important to know what influences your score, how you can improve your score, and which scores are poor, average, good, and excellent.
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We've compiled a list of the top ten questions people ask about credit score. Of course, we've answered them for you!
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Enroll in auto bill pay, limit new credit applications, keep credit balances as low as possible and reap the benefits of a good credit score to improve your financial health.
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Alternative credit scores consider expenses and obligations that traditional scores don’t include. Find your alternative credit score today.
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Identity theft threat grows as it becomes easier to store financial and personal data online. Protect yourself from this common issue by learning about the latest stats on identity theft.
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The good news is that the best credit monitoring service is also the most affordable. Click here to learn about your credit monitoring cost.
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When looking to boost your credit score, there are certain things you should stay away from not to impact your credit rating. Learn about four behaviors that could derail you.
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Here's what you need to know (and some pitfalls to avoid) about how to choose the best credit monitoring service based on your situation and credit goals.
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Raising your credit score can seem daunting. From paying bills on time to increased credit limits, learn 5 tips to improve it to create a positive credit history.
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Building credit from zero seems impossible, you can't obtain credit without history or vice versa. See tips to slowly build credit and history.
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Boost your credit score quickly and see improvement in as little as a month. Raise your score by 100 points or more within six months.
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If you are not thinking about how to boost your credit score, your financial habits may not have been the best years past. Here are 5 ways to improve a not ideal credit score.
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Some of life's biggest purchases revolve around your credit score. Learn why keeping your credit score matters and why your should keep it as high as possible.
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Today, people are saving and paying in cash for large purchases. As a result, they have a zero credit score.
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Your credit score is dropping. Even slight dips could have a long-lasting effect on your finances and lifestyle. Understand why your credit score dropped and fix it today.
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A good credit score can affect everything from the apartment you live in to the car you drive, and even where you work and who you date!
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Afraid checking your credit score range will lower your score? Wondering where that all-important three-digit number comes from? Understand the factors which influence your credit score, learn where your credit stands and how to monitor your credit score and reports.
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Money conflicts are tearing your relationship apart? Get useful tips on resolving conflicts and how to manage money as a couple.
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Dealing with spousal identity theft can be very challenging. Find out what to do if your spouse opens an account in your name.
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Learn important lessons about how to protect yourself against identity fraud. Find out why you need identity theft protection on Banks.com.
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Find out which habits turn you into an identity theft victim. Are you ready to protect yourself from identity theft and outsmart the hackers?
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When a loved one or family member dies, there are several steps you can take to prevent identity theft of a deceased relative.
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Are you protecting your identity from fraud? Here’s the scoop on the 3 most common types of identity fraud and how to protect from identity theft in all cases.
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Your Social Security Number is like your financial fingerprint. Find out if it's worth getting a new one after becoming an identity theft victim.
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Social media brings people closer together, but it could raise identity theft risks.Use these social media tips for identity theft protection and learn how to keep the hackers at an arm’s length to protect yourself against identity fraud.
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Are you a victim of the Equifax data breach? Learn what actions should be avoided so as not to become a victim of fraud or identity theft.
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Medical identity theft can cost you a lot of money and put your health at risk. Learn how to keep yourself and your bank account safe from medical identity fraud.
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Child identity theft occurs in one in 40 families in the United States according to the National Conference of State Legislatures. You may want to think about purchasing identity fraud protection for your kids as since more children are having their identities stolen.
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There are many reasons why you need to protect your identity from theft, and learn how to protect yourself from identity fraud risks.
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