Should You Pay for a Credit Repair Service?
A bad credit score hurts you in many ways. It makes it harder to get approved for a loan, rent an apartment, and get a job. You pay more interest on loans you do get. Insurance is pricier. It can…
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How a Good Credit Mix Can Improve Your Score
Your parents warned you about all the missteps they made early in their credit journey. From facing foreclosure on their first house to racking up hundreds of dollars in late fees to the electric company, their credit score wasn’t always…
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How to Start Building Your Credit Score at 18
Lenders prefer borrowers with good credit scores. It’s a fact of life — and some lenders deal only with folks who have good credit. But loans aren’t the only financial products your credit score may have a bearing on. Poor…
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How to Protect Your Social Security Number & Avoid Identity Theft
Your Social Security Number (SSN) is one of the most important private details you have, and it’s worth protecting. It’s an identifier that tracks how much money you earn during your lifetime, helping the federal government calculate your Social Security…
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Does Checking Your Credit Score Lower It?
Your credit score plays an important role in your financial life. Good credit helps you qualify for loans and credit cards with low rates and favorable terms, while bad credit makes borrowing money hard and expensive. With excellent credit, you…
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How to Get Medical Debt Off Your Credit Report in 5 Steps
When a medical bill goes unpaid for an extended period of time, it can make its way onto your credit report. If collections of any kind appear on your credit report, that can drag your credit score down. There’s some…
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Should You Get a Secured Credit Card?
When you look at your credit score and see a not-so-flattering number, you have reason to worry that you might not qualify for the credit card you want (or need). Thankfully, bad credit borrowers have more credit options to choose…
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What Is a Credit Report and How Do You Get a Free Annual Credit Report?
A credit report is like a report card that you get in school. Instead of measuring your knowledge of a subject like history or math, it measures your interactions with credit and debt. Just as a report card covers multiple…
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How Do You Increase Your Credit Limit on a Credit Card?
A higher credit limit can open the door to more spending power. That can be a great thing if you can manage your spending responsibly. A higher credit limit can also help boost your credit score. Since a good credit…
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