Building Credit
Understand how to build your credit score.
Boost Your Score
Learn easy ways to add points to your score
Protecting Credit
Keep your score safe when you don't need to access it
Score Types
Understand the different types, such as FICO and Vantage Score.
Creditworthiness applies to individuals and businesses alike, and fundamentally is a measure of how likely someone is to be able to make a payment in the future. Your credit score will attempt to distill this likelihood into a number that many parties – landlords, insurance agents, future employers, loan creditors, and more – will evaluate as part of an application process.
This score is not written in stone, it can go down if you aren't careful, and if you work hard and take the right steps, you can rehabilitate a poor score into an excellent one. A higher score can provide financial tailwinds that make your life easier, from lower interest rates on your mortgage to more favorable terms when you buy a new car. Credit card rewards are a great way to stretch the value of the dollars you spend, but the best perks are only available if your credit is truly stellar.
Even if you are a poster child of responsible credit use, you're not in the clear – credit reports are known to have errors that can drag you down, which is why it's important to request your credit report and score periodically to keep it accurate. Freezing your credit is a great way to keep yourself more safe from the perils of identity theft, the damage of which can take weeks or months to repair.
How Credit Works: Understanding Your Credit Score
The way you handle your financial accounts contributes to your overall credit score.
How to Build Credit When You Have None
It may seem impossible, but there are a few tried and true ways you can build your credit score the right way.
The Smart Way To Cancel A Credit Card
If you want to cancel a credit card, it means more than not using it or cutting it up into unrecognizable pieces.
How to Dispute a Credit Report Error
If you've worked hard to build good credit, it can be devastating to find out that your score has taken a hit despite being careful with your finances.
What Type of Home Mortgage Is Right For You?
Choosing the right home mortgage is as important as choosing the right house. Learn about loan program options and how to decide which is best for you.
4 Things You Must Do To Properly Cancel a Credit Card
Canceling a credit card isn’t as simple as snipping it in half – there are steps that must be taken to formally close an account.
Protect Yourself From Identity Theft By Freezing Your Credit
Save yourself the hassle and aggravation of a data breach, identity theft, or unauthorized credit checks with a credit freeze.
How Often Should You Check Your Credit Report?
How Often Should You Check Your Credit Report?
March 27, 2020
How to Get Approved for a Car Loan With Bad Credit
How to Get Approved for a Car Loan With Bad Credit
March 23, 2020
How To Build A Credit Score: 5 Ways To Boost Your Score
How To Build A Credit Score: 5 Ways To Boost Your Score
March 21, 2020
5 Unusual Ways an Adverse Credit History or Score Hurt You
5 Unusual Ways an Adverse Credit History or Score Hurt You
March 15, 2020
What To Do About a Stolen or Lost Credit Card
What To Do About a Stolen or Lost Credit Card
March 11, 2020