Credit Score Basics

The short answer to how to get your free credit report: go to AnnualCreditReport.com, the single authorised site, and request […]

FICO and VantageScore are two separate credit scoring models. Both use a 300–850 range and draw on the same credit […]

To dispute a credit report error, get your reports from all three bureaus, identify the specific inaccurate item, gather supporting […]

A late payment can stay on your credit report for up to seven years from the date of the original […]

Your credit score can drop after paying off a card for a handful of specific reasons: you closed the account […]

A hard pull (or hard inquiry) happens when a lender checks your credit as part of an application and can […]

Your FICO credit score is built from five factors. In order of importance they are payment history (about 35%), amounts […]

On the FICO scale of 300 to 850, a good credit score is generally 670 or higher, 740 and above […]

Credit utilization is the percentage of your available credit that you’re currently using, and it’s the second-biggest factor in your […]