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Credit Scores

Gender gap extends to credit score perception vs. reality, survey finds

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, [...]

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
How to leverage a high credit score

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
Best credit cards for rebuilding credit from our partners

From qualifying for the best credit card reward offers to receiving favorable rates on auto loans and mortgages, your credit score can have a major impact on your life. Information about you and your credit experiences, like your bill-paying history; the number, age, and types of accounts you have; outstanding debt; and collection actions is used [...]

Categories: Bad Credit, Secured Cards, Building Credit, Credit Report, Best Cards, Credit Scores, Prepaid Cards
Do high credit scores guarantee you the best credit cards?

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 [...]

Categories: Credit Scores
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