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How Often Does Your Credit Score Change?

A reader writes in looking for a clear answer on how often his credit score changes and how often he should check this all important three-digit number.  John Ulzheimer, credit expert for Credit Sesame, answers. “John, I’ve been working very hard at improving my credit scores. I’ve made all of my payments on time for years and… Read More

The 8 Worst Things You Can Do to Your Credit Score

Your credit score doesn’t have anything to do with how much you earn or your bank account balance. Rather, it is a number that reflects your relationship with, and your use of, credit products. The credit scores most creditors rely on are the FICO score and the VantageScore. The two scoring models rely on similar… Read More

How Does Being an Authorized User Affect My Credit Score?

A reader writes in looking for advice on whether or not becoming an authorized user on his parents’ credit card will help his credit scores.  John Ulzheimer, credit expert for Credit Sesame, answers. “John, I’m trying to build up my credit score and I read online that if I can get my name added to… Read More

JP Morgan Chase Comes Clean In Massive Data Breach: 76 Million Customers Hacked

Today is the 3rd of October and you know what that means? That’s right, another massive data breach. JP Morgan Chase, come on down. The massive bank just announced that while it was a victim of a massive data breach, and no credit card or debit card information was stolen, hackers did manage to steal… Read More

Starting Over With Credit Cards (After Botching It the First Time Around)

During your younger years, you used plastic—a lot. So much so that you decided to go cold turkey in order to get out of the mess you’d gotten yourself in. (As in, you had racked up so much credit card debt that you couldn’t even afford to make the minimum monthly payments.) After several rocky financial… Read More

Getting Ready for Fall: How to Protect Your Credit From Financial Flu and Identity Theft

The crisp chilly air, robust pumpkin patches and rainbow-colored leaves started to cascade to the ground from high atop their branched home can only mean one thing: It’s time to get a flu shot! According to the CDC, flu season can ramp up as early as October and stretch well into May. So every fall,… Read More

Free Credit Reports vs. Free Credit Scores – What’s the Difference?

Credit makes the financial world go ’round. Doors open to consumers with great credit scores, and the cost of living is high for people on the low side. Smart consumers want to find out their scores and see what’s on their credit report but are right to be wary of the many “free” offers coming… Read More