Blog posts

    How Low Can a Credit Score Go?

    Submitted by Rachel on Thu, 11/15/2018 - 08:54

    Credit score rock bottom
    Is your credit score at rock bottom?
    Image via Pexels


    There are three credit bureaus, and each uses different credit score models and ranges. Experian, TransUnion, and Equifax all have different proprietary scores and the ranges of score vary by the bureau and unique algorithm. So just how low can your credit score go ...

    How High Credit Card Balances Hurt Your Credit Score

    Submitted by Rachel on Thu, 10/25/2018 - 08:41

    Credit card utilization
    What high credit utilization can do to your credit score
    Image by Sharon McCutcheon via Unsplash


    Your credit score is a three-digit numerical passport to opportunities and the things you may want in life. From a home to a car and even your dream job, like it or not, your credit score matters. Knowing the importance of your credit score ...

    5 Ways to Boost Your Credit Score

    Submitted by Rachel on Thu, 10/11/2018 - 08:52
    financial habits
    Try these five ways to boost your score
    Image by Burst


    Everyone makes credit mistakes at some point with their finances. It could be a missed payment, an account going into collections or something big like a repossession or foreclosure. One thing is certain - no matter what it was that damaged your credit score ...

    Average Credit Scores are Higher Than Ever – How’s Yours?

    Submitted by Rachel on Thu, 09/27/2018 - 08:22

    Credit score increase
    Consumer credit scores are on the rise again!
    Image via Unsplash


    There’s good news from FICO (Fair Isaac and Corporation), the leading credit score algorithm creator. The average American credit score is again rising. Since the financial crisis abated, median scores have been constantly climbing and have reached a new milestone. FICO reported that the ...

    Credit Freeze Now Free – Do You Need to Lock Down Your Report?

    Submitted by Rachel on Thu, 09/20/2018 - 08:28
    Freeze your credit
    Why you should freeze your credit now that it's free
    Image by Olivier Lemieux via Unsplash


    A new law just came into effect that allows you to freeze your credit bureau files for free. This is a significant change that can protect you from identity theft and fraud. Before the new law came online, it cost $3-12 to freeze your ...