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Credit Scores

A tale of two nations: The best and worst states for credit conditions

How is the economy doing? It depends on where you look. In some states, people are practically choking on credit problems, while in others, serious financial difficulties are relatively rare. For example, more than one out of every 500 homes in Florida is in foreclosure, while foreclosures are virtually unheard of in North Dakota. Similar differences [...]

Categories: Credit Scores
Yes, credit score and credit report are two different things

Many people use the terms credit score and credit report interchangeably. Everyone from journalists to consumers often refer to a credit score when they mean credit report and vice versa. Credit reports and credit scores contain different information, are used for different purposes and are accessed by different companies. What is the difference between a credit [...]

Categories: Credit Scores
6 reasons credit scores aren't always fair

Your credit score is one of the most important numbers in your life. If it's too low -- say, under 640 -- you'll struggle to qualify for a mortgage loan. And if you do get a loan, you'll have to pay higher interest rates.And here's the unfortunate truth: Your credit score can be low even [...]

Categories: Credit Scores
Want to improve your credit score? Think like an insider

There's little doubt that Americans with higher credit scores get better deals on core consumer items like mortgages, auto loans and credit cards. So why do so many U.S. consumers know so little about their credit scores? According to the Consumer Federation of America, 40 percent of Americans didn't know that credit card companies use credit scores [...]

Categories: Credit Scores
I've got a great credit score. Now what?

You have spent the last few years working hard to increase your credit score. And you finally have reached the magic credit score number of at least 760. But instead of just resting on your accomplishments, take this opportunity to turn your high score into more money in your pocket. By leveraging your credit score [...]

Categories: Credit Scores
Know the score: A guide to the four most popular credit scoring models

Your credit score is something every smart consumer should know, but with so many credit scoring models to choose from, it's hard to decide which to use. To help you make sense of the credit-scoring industry, we spoke with four major trackers to find out what sets them apart. Some models, like FICO, include anything [...]

Categories: Credit Scores
Bad credit? Time for tough love and no excuses

Quick, what's your credit score? Don't know? Don't care? You should. If you've been turned down for loans or received high interest rates from lenders, your credit may be, well, bad. The good news? You can fix it. You really can. But there's no magic formula. There are, however, some concrete steps you can take [...]

Categories: Credit Scores
5 credit report items that won't affect your score

You probably know your credit score is driven by the information that appears on your credit report. But what you may not realize is certain line items included by the major credit bureaus aren't going to have any impact on your actual credit score. "What goes into the credit score is information that is, first, reliable [...]

Categories: Credit Scores
Rebuilding credit with the best credit cards

According to federal court records, Chapter 7 bankruptcy filings outnumbered Chapter 13 filings more than two to one during 2011. Home foreclosures and insurmountable medical bills topped the reasons why many Americans are seeking this last resort for debt relief. Even if you've been dutifully paying your credit card bills every month for years, defaulting [...]

Categories: Credit Cards for Poor Credit, Secured Credit Card Offers, Building / Rebuilding Credit, Credit Report, Best Credit Cards, Credit Scores, Debit / Prepaid Credit Cards
Red states outscored blue under Obama

It's the classic election year question: Are you better off now than you were four years ago? As the primary season gets under way, expect to hear some version of that question with increasing frequency. Your answer may depend on where you live - and how you vote. A CardRatings.com study used financial data from Experian to [...]

Categories: Credit Scores
About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

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