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Your credit score could soon go up… or down! Thursday, FICO announced a new scoring model that will take into account your overall debt level, including personal loans. Previously, scoring models focused on snapshots of payment histories, however, the new model will give lenders more information about how overall credit
With the passing of the New Year, and now the month of January, you’ve probably received most of your credit card bills from November and December, so you probably know just about how much you spent on Christmas. But, have you checked the impact of those new credit card balances on your credit score?
So, you’ve been paying attention to your credit scores, and you understand the payment history, age of accounts, and other stuff, but do you know what the Credit Utilization score on your credit report means? Credit utilization is exactly what it sounds like, it’s how much of your available credit
Ever wonder what exactly is a credit score? What even makes up your credit score? And, even more importantly, exactly what impacts your score has on your finances and why? Basically, a credit score is nothing more than a simple three digit number that credit bureaus use to determine your
Looking for the fastest, easiest way to rebuild your credit? Rebuilding your credit can often take years, especially if you don’t really know the ins and outs of your credit score, how it’s calculated, and the steps you can take to raise a low credit score. And then there’s the whole
Will a secured credit card really help my credit score? Believe it or not, that’s one of the most asked questions that we get here at the Easiest Credit Card to Get, and believe it or not, the correct answer is a resounding YES. You see, secured credit cards work
Have you had a financial setback? Maybe you need to raise your credit score? Maybe you don’t have much of a credit history and need to establish one? Believe it or not, opening a Fingerhut Credit account is one of the fastest, easiest ways to re-establish your credit once you’ve
Thinking about how you’ll spend this year’s tax refund money? What if I told you there was a way to use your tax refund to improve your credit score and still be able to take that mini-vacation you’ve been dreaming about? Or buy that new sofa and loveseat? It’s
Happy New Year! I don’t know about you, but one of the New Year’s resolutions that I make each and every year is to improve my personal financial situation… be that to increase the amount of money in my savings account, pay off a few bills, or to improve my
How to Build Credit If you don’t have a credit history, it’s hard to get a loan, a credit card or even a home. But how are you supposed to show a history of responsible repayment if no one will give you credit in the first place? I can’t think