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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, ...
How to improve your credit score when you have no credit Written by Erica Sandberg Without an established credit history, you likely won’t be considered a trustworthy borrower. But once you are, more premium credit products, lower interest rates and additional borrowing opportunities should become available to you. To know how to improve your credit score, you first need to understand how to build your credit history. In general, how you ...
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 ...
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 October 2021 Written by Jennifer Doss Best credit cards for bad credit of October 2021 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....
Is a zero balance on a credit card bad? Written by Doresa Banning There's a myth that carrying a balance on your credit cards will help your credit score. Of the Americans who use credit cards, half (about 54 percent) pay their balances in full every month, according to the Federal Reserve's Survey of Consumer Finances. But can this practice help or hurt your credit history? In fact, it ...
What your mail says about your credit score Written by Jennifer Rose Hale Once upon a time, letter carriers delivered, well, letters. You could expect cards from Grandma with $5 bills or handwritten notes from friends just saying hi. Much of that communication takes place over email now (except Grandma's dollars, if you're lucky). Today, your mailbox has become the destination of bills, solicitations and, on a bad day, ...
Top 5 credit card books to download on your Kindle Written by Beverly Blair Harzog The interest in eBooks is on the rise. And why not? If you love to read, reading a book on Kindle is a great way to indulge your passion while spending less money than you would at the bookstore. Reading books on Kindle also fits in with our on-the-go lifestyles. Whether you're on a business ...
5 Common Mistakes That Can Cripple Your Credit Score Written by Beverly Blair Harzog Have you ever been surprised when your FICO score dropped? Most likely, it's because you made one of the five mistakes below. Most people aren't aware of the impact some of these actions have. And what's interesting is that it appears that the higher your FICO score, the greater the drop when you make a ...
Demystifying the Credit Scoring / Rating Process Written by Have you ever wondered if you had "good credit" or "bad credit" and how creditors, such as banks, determine if you are creditworthy. If so, you are not alone. For decades the procedure most creditors have used to determine your creditworthiness or rating has been shrouded in secrecy. Fortunately, though, recent legislation in California has ...

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