How and Where to Get Your Credit Score

Just like you’d get an annual health check-up, a regular credit check can help make sure you’ve got your finances under control. At the very least, you should check your credit once a year. This helps you make sure all of your loan and credit card information is correct and can also help identify any…

8 Proven Steps to Improve Your Credit Score in 2018

Your credit score has a huge impact on your overall financial well-being. A good score will help you to buy a new car, purchase your first home, or just take a relaxing vacation overseas. However, without a good credit score, you will be saddled with high interest rates or unable to obtain any credit at…

8 Ways to Build Credit Without a Credit Card

So you don’t want a credit card? There are certainly a lot of reasons to want to avoid having one, but there are an equal amount of reasons to get one. Whatever your reason, you’re here because you want a strong credit score without the hassle of variable APR and monthly payments. Ready to learn…

MyFICO Review for 2018

MyFICO is the consumer division of FICO and is one of the leaders in detailing and scoring credit risks for home purchases, bank loans, credit cards, automobile loans, and retail. Even if you’ve never heard of FICO, they’ve likely heard of you and are one of the main companies that analyze consumer credit information into…

Credit.com Review for 2018

Credit.com offers free credit scores as well as paid services surrounding credit advice. The website offers helpful tools, most of which are free. Keep reading to find out if they’re actually what you need to track and fix your own credit. Is Credit.com really free? If you’re in search of a free educational credit score,…

How to Raise Your Credit Scores

Your credit scores affect many important aspects of your life. From the moment you open your first charge account, you enter into the world of credit. Why A Credit Score Is A “Snapshot” Each consumer’s behavior changes over time and when a lender or insurance company makes an inquiry into a person’s risk profile, they…

Best Credit Monitoring Services of 2018

According to data from the Federal Trade Commission (FTC), there were 332,646 identity theft complaints in 2014 – and a significant number of those complaints resulted in fraudulent credit card accounts and bogus charges. With large-scale data breaches becoming more and more common, the Experian/T-Mobile hack that exposed the records of 15 million T-Mobile customers…

How to Clean Up Your Credit Report in 2018

Understanding how your credit is calculated is the first step to clearing up your credit history and improving your credit scores. The FICO scoring system takes several key aspects of your credit file in order to come up with the number that the creditors use. Because all three bureaus have their own relationships with creditors…

Credit Karma Review

Whether you’re working on repairing your credit or simply want to find out where yours stands, there are plenty of credit score websites available that claim to offer free credit scores. Credit Karma is currently one of the most popular sites, offering its members credit score updates, monitoring services, and personalized advice on how to…

6 Tips to Repair Your Credit Score in 2018

Getting financially fit is a popular New Year’s resolution, but where to begin? The foundation of any sound financial plan is a good credit score. It doesn’t matter if you have bad credit, average credit, or even above average credit. The majority of Americans have room for improvement when it comes to their credit scores.…