Credit Score Factors

Why Did My Credit Score Go Down

Why Did My Credit Score Drop? Possible Reasons

Last Updated: July 30, 2020 You know that it’s important to have a good credit score, so you do all the right things. Any mistakes you make are short-lived: you’re always quick to correct them. Despite this, your credit score should be strong, and you have a pretty good estimate of where it should fall. Read more

Credit Utilization Rate

Understanding a Good Credit Utilization Ratio

Updated: July 30, 2020 When reading about credit and credit cards, you may see the term “credit utilization ratio.” If you don’t know what exactly a credit utilization ratio is, the whole discussion can go over your head. Worse, you may be missing out on an easy way to improve your credit score. What Is Read more

Build Credit History

Full Guide to FICO Score Calculating

You’ve probably heard about your FICO score (also known as your credit score). Banks use it; credit card companies use it; sometimes even your landlord and employer may use it. It’s a pretty important number. We may not have the exact method to calculate it, but you can get a pretty fair estimate of where Read more

What Affects Your Credit Score

What Affects Your Credit Score: the Biggest Factors

Updated: June 11, 2020 Name one thing that affects your finances, your ability to rent an apartment, your car insurance, and your future job? If you said your credit score, you’d be right. Your credit score is critical if you want credit cards, a loan, or a mortgage. It is just as important in determining Read more