Credit Scores & Reports Advice

Latest Credit Scores & Reports Articles

• Does asking for a credit card rate cut affect your credit score?

  Asking for a rate reduction on a credit card might lower a credit score. Find out when it does.

  4 min read May 06, 2021

  

• How your credit limit is determined

  One issuer gave you a $500 limit while another gave you a $1,000 limit. Find out why.

  5 min read Apr 29, 2021

  

• 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 Apr 29, 2021

  

• What credit cards can you get with a 700 credit score?

  Although a credit score of 700 may not allow you to fill your wallet with high rewards credit cards named after precious metals and gems, you’re well on your way to that goal if you keep building good [...]

  5 min read Apr 27, 2021

  

• When do credit card companies report to the credit bureaus?

  Credit card issuers generally report every 30 to 45 days, but there aren’t set guidelines.

  5 min read Apr 08, 2021

  

• How to read a credit report

  Your credit report is a detailed record of your credit history and the accuracy of those details is important. Here’s what to look for when reviewing your credit report.

  8 min read Apr 05, 2021

  

• Should you use your stimulus check to pay down credit card debt?

  Who doesn’t love free money? The stimulus checks certainly have that feel regardless of whether they really are or not. The question is, what’s the best way to use this money? Let’s dive in. First [...]

  3 min read Apr 01, 2021

  

• 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 Mar 25, 2021

  

• 10 U.S. cities with the highest credit scores

  The average American has a 711 credit score, but some cities are home to major overachievers. These high scorers are likely to qualify for the best credit cards on the market due to their exceptional [...]

  3 min read Mar 18, 2021

  

• What credit score do you need for a credit card?

  Credit scores have become an essential part of leading a successful life in the U.S. This may come as a shock, but some people don’t know that credit scores are not part of your credit report. They are [...]

  6 min read Mar 18, 2021