Credit Sesame Review

Credit Sesame is a website and mobile app that provides free credit scores and monitoring. You won’t receive your actual FICO score but can use the information to gain better insights into your finances. The site’s basic services truly are free and can be a good tool to track your credit score and see how…

How to Fix Bad Credit in 2018

Finding out you have bad credit usually comes at the worst time. You may not even know your credit is bad credit until you’ve been denied for a credit card, cell phone, or car loan. Use this event as motivation to check your credit report. Upon doing so, you’ll likely find one or more negative…

Credit Bureau Contact Information (Updated 2018)

There are a number of reasons why you might need to contact the major credit reporting companies. Perhaps you want to dispute a negative item or request a freeze on your credit report. Even if you have good credit and don’t need to review or dispute any negative items, it’s a good idea to monitor…

The Ultimate Guide to Credit Repair

Finding out you have bad credit usually comes at the worst possible time. You might not even know your credit is bad until you get denied for a credit card, cell phone, or car loan. When you wonder why and check your credit report, you may be surprised to find one or several negative items…

How to Read and Understand Your Credit Report

It’s important to understand what types of information your credit report contains and how to read them. That’s because these items directly contribute to your credit score. And when you have good credit, it’s easy to qualify for financing when you need it, whether it’s a new car loan, a mortgage, or a credit card.…

What Credit Score Do You Need to Buy a House?

Renting a house or apartment comes with a number of perks, like minimal commitment to live in one place. After a certain point, however, most people want to put down roots — both emotionally and financially — and purchase their own home. Owning your own home can often be a wise investment, plus you don’t…

What Is the Average Credit Score in America? Find out Where You Stack Up.

Credit score talk is all over the place these days, from online forums to the office break room. That’s because your credit score affects just about every aspect of your life: your ability to get a mortgage, qualify for a car loan, or rent an apartment. In some cases, potential employers will even check your…

How to Remove Late Payments from Your Credit Report

If you have late payments on your credit report your credit score is likely suffering because of it. The health of your credit score is largely dependent upon your payment history. There are several different approaches you can take to address any existing late payments and get them removed. But first, find out exactly how…

How to Remove Late Payments from Your Credit Report

If you have late payments on your credit report your credit score is likely suffering because of it. The health of your credit score is largely dependent upon your payment history. There are several different approaches you can take to address any existing late payments and get them removed. But first, find out exactly how…

What are the FICO Credit Score® Ranges?

When you’re trying to improve your credit score, it’s important to know how credit scores are categorized by lenders. That way you can determine where yours should be in order to achieve your financial goals. It’s great to bump your score up by 100 points, but if you’re still in the “bad” category, you still…