Credit Scores

14 ways to raise your FICO score

If you want to save big money on a big loan, do your homework, say the experts. Raising your credit score by as little as 40 points could qualify you for a lower interest on a home mortgage or an auto, student or personal loan. Think of it this way--if you take out a $50,000 loan [...]

Categories: Credit Scores
Is a zero balance on a credit card bad?

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 [...]

Categories: Credit Report, Tips, Credit Scores
Demystifying your credit score

Credit card issuers make fast decisions, bolstered by credit scores that boil down the last decade of your financial history into a three-digit score. A difference of a few points can upgrade your credit card rewards program or eliminate a balance transfer fee. However, few of us take the time to understand where our credit [...]

Categories: Credit Scores
What your mail says about your credit score

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, [...]

Categories: Credit Scores
Top 5 credit card books to download on your Kindle

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 [...]

Categories: Credit Scores
5 Common Mistakes That Can Cripple Your Credit Score

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 [...]

Categories: Credit Scores
Demystifying the Credit Scoring / Rating Process

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 [...]

Categories: Credit Scores
12 Surefire ways to boost your credit score

Unless you’re in the rare group of folks with an 850 credit score, seeking improvement to that important 3-digit number should always be the goal. But, bringing your credit score up can be a challenge, especially if you’ve made past credit mistakes. There are a few tried and true tricks to improving your credit score: [...]

Categories: Published Articles, Credit Scores
How is a Credit Score Calculated and How Can I Improve My Credit Score?

In a world where the fate of your employment, housing, insurance rates, and ability to get a loan is often based on how good your credit score is, it is important to understand the various scoring systems and what steps to take to improve your score. It would be nice if everyone used the same credit scoring [...]

Categories: Credit Scores
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