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Credit score

7 Credit Score Myths Debunked

Your credit score is more important than ever, as loans and credit have become increasingly hard to come by. Credit scores determine whether you can finance a car or a house, get an apartment and possibly whether you will be hired for your next...

What is a Credit Score?

A credit score is a numeric representation of a person's creditworthiness determined by a statistical formula that calculates likelihood of debt repayment. The most common formula used is the FICO, or Fair Isaac Corporation, score formula.    See...

6 Ways to Improve Your Credit Score Now

Improving your credit score does require some patience and perseverance -- a significant increase can take 12 months or more, according to experts. But it’s worth the effort. A jump of even 100 points can translate into thousands of dollars in...

Take Back Your Credit

Have you checked your credit report lately? You should. A recent government study found that some 10 million credit reports likely contain errors serious enough to impact people’s scores. And you know what that means. A lower score—even a little...

What a Super High Score Gets You

You've got a great credit score. Solid 750-something. Is it worth the effort to push it a little higher?Would we waste your time telling you no?“The difference is a much better rate on everything,” says Linda Ferrari, author of The Big Score:...

Be Smart About Store Cards

Store cards: friend or foe? Given how tempting that on-the-spot 15 percent discount can be, signing up for a store card is hard to resist—and may even be worth it. But retail cards can also compromise your credit in ways you may not realize, says...

Your Credit Score vs. the Lenders'

You know you should shop around when it comes to any credit product (cards, loans, mortgages). But here's another reason to get more than one offer: Lenders are looking at a different score than the one you have, according to a new study by the...

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