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Credit Score

fico score breakdown

fico score breakdown

What Is a FICO Score?

Updated on March 7, 2023

This article discusses the FICO score, the most common credit score used by lenders. It provides an overview of the different FICO scores, discusses what factors into your FICO score and shows you where you can get a FICO score for free.

What is an excellent credit score?

Updated on March 7, 2023

This article discusses what an excellent credit score is and how credit scores are calculated. It also provides tips on increasing your credit score.

How to Fix Your Credit Score

by Jessica Martel

Updated on March 7, 2023

If you’re trying to repair your credit score, there are several strategies you can use to improve it. Here are six helpful tips to help you fix your credit.

Does Debt Consolidation Hurt Your Credit Score?

by Jason Steele

Updated on April 4, 2022

Successful debt consolidation will help your credit by allowing you to reduce or eliminate your debt sooner, while paying less in interest charges.

How to Build Credit

by Kevin Mercadante

Updated on November 15, 2022

Building takes time but you can use certain time-tested strategies to build your credit from the ground up.

What Is a Good Credit Score?

by Holly Johnson

Updated on April 7, 2022

A good credit score starts at 661, although it really depends on the type of scoring model you use. Find out what good credit looks like and how to get it.

What Is a Fair Credit Score

by Jessica Martel

Updated on October 12, 2022

Learn what a fair credit score is, what credit you can access with a fair credit score, and how you can improve a fair credit score.

How To Improve Credit Score Fast

by Holly Johnson

Updated on March 13, 2022

Improving your credit isn't rocket science, but you do have to treat your credit with care. Find out which steps you can take to boost your credit score fast.

What Credit Score Is Needed to Buy a House?

by Jason Steele

Updated on April 4, 2022

Having sufficient credit is essential to being approved for a mortgage, and it’s important to know what credit score you need to be approved.

What is a Bad Credit Score?

by Jessica Martel

Updated on October 12, 2022

A bad credit score can make it difficult to open a credit card, get a car loan, or buy a house. Find out what a bad credit score is and how you can fix it.

What Is a Hard Inquiry?

by Jason Steele

Updated on January 13, 2022

A hard inquiry is the result of an application for new credit, and is unlikely to significantly hurt your credit score.

8 Ways to Improve Your Credit Score

by Jason Steele

Updated on April 4, 2022

Credit score is almost entirely within your control, and there are many steps that you can take to improve it. Here are 8 ways you can improve your credit score.

What Is a Soft Credit Check?

by Jason Steele

Updated on March 13, 2022

A soft credit check is an inquiry used to check credit for pre-approval or informational purposes. Unlike hard credit checks, soft credit checks do not affect credit scores.

How Does Medical Debt Affect Your Credit Score?

Updated on August 7, 2022

Medical debt can impact your credit score. This article describes how medical debt impacts your credit and the coming relief that consumer credit reporting bureaus will provide in 2022 and beyond.

Which Credit Score Do Mortgage Lenders Use?

by Kevin Mercadante

Updated on March 17, 2022

That free credit score you get is not the same score used by mortgage lenders. Here’s the score lenders use, and how you can improve it to get a better interest rate.

How Long Does a Bankruptcy Stay on Your Credit Report?

by Margaret Wack

Updated on March 13, 2022

Filing for bankruptcy can have a severe impact on your credit score. In most cases, bankruptcy stays on your credit report for 7 to 10 years.

How To Check Your Credit Score

by Elizabeth Rivelli

Updated on February 3, 2022

Need to check your credit score? See how you can access a free credit report and learn what factors contribute to your credit score.

Does Refinancing Hurt Your Credit Score?

by Elizabeth Rivelli

Updated on January 20, 2022

Refinancing can help you get better loan terms, but will it impact your credit score? Find out how refinancing a loan works and how it can affect your credit.

How Long Do Late Payments Stay on My Credit Report?

by Holly Johnson

Updated on July 31, 2022

Late payments can stay on your credit reports for up to seven years. Find out how much late payments damage your score and what you can do about it.

How to Dispute An Error On Your Credit Report

by Holly Johnson

Updated on July 17, 2022

Consumers can dispute errors on their credit reports online or by mail. Find out how to find errors in the first place, plus how to get them erased.

Hard Credit Inquiry vs. Soft Credit Inquiry

by Catherine Hiles

Updated on March 13, 2022

Hard and soft credit inquiries are different ways to check your credit. Hard inquiries can decrease your credit score, while soft inquiries don’t affect it.

How Often Does Your Credit Score Update?

Updated on June 23, 2022

If you’re working to improve your credit score, how soon can you get confirmation your hard work is paying off?

What Is The Highest Credit Score Possible?

by Sarah Li Cain

Updated on March 31, 2022

Understanding what a high credit score can do for your finances is important. Here’s what is the highest credit score you can get, and why you’ll want to aim for as high as possible.

How to Freeze Your Credit

by Aja McClanahan

Updated on March 3, 2022

Knowing how to freeze your credit can help protect your identity. Follow these steps to request or lift a credit freeze.

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