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Have You Checked Your Credit Report Lately?
One of the most important aspects of your finances is your credit. Your credit score is an interpretation of the information in your credit report. Keeping on top of your credit report is vital if you...
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Monday Motivation: Quick Wins to Increase Your Credit Score
Your credit score is an important, albeit arbitrary, number for acquiring new credit, getting approved for apartments, and even setting up utilities without a deposit. If your credit score is less than...
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No Credit Score? No Problem.
Seems like you need credit for everything: buying a house, getting a loan, and even renting an apartment. Your credit score is your magic number to unlocking a lot in your financial life. But if you’ve...
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Types of Credit: Installment Credit vs. Revolving Credit
When your credit score is figured, one of the factors is the types of credit accounts you have. While this factor only accounts for about 10 percent of your score, it can still be enough to nudge your...
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How to Build Credit Fast
As a beginner in the world of credit, you know that you need to speed up your efforts to get a financial reputation on paper. When you have good credit, you can save thousands of dollars on loans and...
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Monday Motivation: Building Good Credit is Easier Than You Think
Building good credit can feel a little like a chicken-and-the-egg dilemma: in order to build good credit, you have to have access to lines of credit. And in order to have access to good lines of credit...
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When Can You Get a Free Credit Score?
It’s possible to get a free credit report from each of the three major credit reporting agencies just by asking once a year. However, you might have to do a little extra work to get free access to your...
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How to Build Credit for the First Time
You’ll hear often enough “keep your credit score high by doing this, this, and this” — but what if you don’t have a score yet? If you’re looking to build credit for the first time ever, here’s how to...
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How Student Loans Affect Your Credit
If you’ve graduated from college with student loans, it could be impacting a lot of your day-to-day life: whether or not you have to live at home with your parents, how much you can spend going out...
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What is Installment Credit and How Can It Help Your Credit Score?
One of the biggest pieces of your credit history puzzle is installment credit. If you want to maximize your credit score, you need to make sure that you have an installment loan or two under your belt....
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Tips for Establishing Credit as a Student
Now that you’re out of the house and off to college, you have a chance to establish your own financial future. Building your credit history is an important part of this process. If you start building a...
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How to Use Revolving Credit to Build Your Credit History
Your credit history is an important part of your financial life. A good credit history can mean better loan rates, and big savings in other areas. You have more financial options when your credit score...
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How to Freeze Your Credit
In the last six months, several companies including Target and Michael’s have confessed that they suffered credit breaches. As a result, their customers’ credit data may have been obtained by hackers....
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Benefits & Drawbacks of Freezing Your Credit
The ability to freeze your credit used to be a service that was only offered to those who had been victims of identity theft. In recent years, however, all three credit bureaus have allowed people to...
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What Affects Your Credit Score Most?
You probably already know about the connection between your credit history and your credit report and how both impact your credit score. Remember that your credit score is like the grade on your credit...
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Bethany’s Breakdown: What they don’t teach you about personal finance in college
Experian estimates that there are more than 60 million consumers with “unscoreable” credit, and I am one of them. What does that mean? Well, up until a few days ago I didn’t have the slightest clue....
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Building and Rebuildling Credit
I’m not talking about whether or not you deserve respect or great things in your life (because of course you do!). I’m talking about your creditworthiness. Being creditworthy means having a strong...
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What to look out for on your credit report
You probably already know that you should check your credit report at least once a year. But just why should you care about your credit report in the first place? Well, your credit report is the...
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Are These 4 Things Sabotaging Your Credit Score?
When you think of your credit score, it’s natural for your thoughts to jump immediately to loans. After all, it’s a credit score. It’s supposed to be all about what goes on when you borrow money....
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How to build credit without a credit card
There’s a very straightforward equation to building credit with a credit card: open up a credit card, charge a regular amount to that card, and pay your bills regularly on-time. Simple. But what if you...
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