Credit Scores & Reports Advice

Latest Credit Scores & Reports Articles

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  How to get a credit card with no credit history

  Getting your first credit cards is one of the most important steps toward building strong credit.

  7 min read Jul 04, 2022
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  What credit cards can you get with a 700 credit score?

  A credit score of 700 may not allow you to fill your wallet with high rewards credit cards named after precious metals and gems, but you’re well on your way if you keep building good credit habits.

  5 min read May 30, 2022
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  How long does it take to build credit?

  Building a credit score requires consistent positive behavior and most importantly, patience.

  5 min read May 25, 2022
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  What do the 3 credit bureaus do?

  Equifax, Experian and TransUnion are the three major credit bureaus that operate in line with the Fair Credit Reporting Act in order to collect and store data for consumer credit reports.

  4 min read May 23, 2022
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  Credit for kids: How parents can help their child build credit early

  Help your child build credit early and determine whether they’re ready for the responsibility.

  6 min read May 20, 2022
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  What is a good credit utilization ratio?

  It’s critical to keep your credit utilization ratio low, but how low is often a mystery to consumers.

  4 min read May 16, 2022
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  How to check your business credit report

  Learn how to check your business credit score, including paid and free options.

  4 min read May 04, 2022
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  Credit card default: How it happens, what to do about it

  Learn more about credit card default and what to do if you find yourself in that situation.

  5 min read Apr 26, 2022
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  How long does it take to raise your credit score?

  Depending on why it’s low, it can take months or even years to raise your credit score. Here’s what you need to know about how to rebuild your score.

  5 min read Apr 07, 2022
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  The 800 credit score: What it means, why it helps and how to get one

  Earning an 800 credit score means you’ve done everything you need to do to prove that you are a creditworthy consumer. Here’s what you need to know about having 800+ credit.

  6 min read Apr 05, 2022
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  Is closing a credit card bad?

  Closing a credit card can hurt your score by reducing your available credit and increasing your credit utilization ratio.

  6 min read Mar 08, 2022
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  What to do when your credit card application is denied

  So, your credit card application has been denied — here’s what to do next.

  8 min read Mar 07, 2022
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  ‘Buy now, pay later’ is coming to credit scores—but key questions still must be answered

  There will soon be a much tighter link between credit reporting and buy now, pay later (BNPL).

  6 min read Feb 24, 2022
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  Does applying for a credit card hurt your credit?

  To process a credit card application, issuers will do a hard inquiry on your credit, which does have a temporary effect on your credit score. Here’s what you need to know.

  5 min read Feb 02, 2022
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  What happens if you don’t use your credit card?

  Here’s how you should be thinking about those unused credit cards in your wallet.

  3 min read Jan 11, 2022
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  Will a charge card help my credit?

  Even though they don’t impact your credit utilization, charge cards still impact your credit.

  3 min read Dec 16, 2021
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  Guide to Experian Boost

  If your credit score needs a boost, Experian has a solution.

  6 min read Aug 11, 2021
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  7 credit report items that scare lenders

  If you’re looking to get a loan, its best to avoid having any of these blemishes on your records.

  5 min read Jul 05, 2021
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  How to increase your credit limit

  If you can handle the increased responsibility of a larger credit limit, applying for an increase is a savvy money move. Here’s how to increase your credit limit.

  4 min read Jun 23, 2021
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  How to request a credit line increase with Bank of America

  A Bank of America credit limit increase is possible, but you may need to ask.

  6 min read Jun 02, 2021