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Credit Scores

Gender gap extends to credit score perception vs. reality, survey finds Written by Satta Sarmah-Hightower Women in the U.S. are more likely than men to believe they have poor credit scores (16 percent vs. 10 percent), but the credit score reality in America doesn't necessarily align with that perception. A recent CardRatings survey among over 2,000 U.S. adults ages 18+ found that numerous factors may impact how Americans view their creditworthiness, [...]
Yes, credit score and credit report are two different things Written by Jennifer Goforth Gregory 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 [...]
6 reasons credit scores aren't always fair Written by Dan Rafter 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 [...]
Want to improve your credit score? Think like an insider Written by Brian O'Connell 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 [...]
How to leverage a high credit score Written by Jennifer Goforth Gregory 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 [...]
Know the score: A guide to the four most popular credit scoring models Written by Jill Krasny 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 [...]
Bad credit? Time for tough love and no excuses Written by Gwendolyn Pearce 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 [...]
5 credit report items that won't affect your score Written by Jeanine Skowronski 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 [...]
Best credit cards for bad credit of September 2020 Written by Jennifer Doss Best credit cards for bad credit of September 2020 Even if you have limited or bad credit, getting approved for a credit card isn't impossible, and the right credit card can help you work your way towards a better credit score. CardRatings editors reveal the best credit cards for those with bad or limited credit scores.[...]
Do high credit scores guarantee you the best credit cards? Written by Heather Larson If you’ve ever been turned down for a credit card, the Fair Credit Reporting Act requires the lender to tell you which part of your credit profile hit a sour note, whether it was a past bankruptcy or too many late payments. Since the recent economic downturn, most credit card companies have made their criteria [...]

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