Your credit plays a bigger role in your overall financial well-being than many people realize. Your credit score and your credit report are seen as markers of your responsibility with money — and ones that nearly all lenders and financial institutions take seriously. Whether you’re looking to buy a car or a house, start a
If you’ve recently found out you have an 800 credit score or if you’ve heard that an 800 credit score is the holy-grail of credit scores, this article will explain what that means. In this article, we look at what an 800 credit score really is, how to achieve it, and more. The basics of
When you use your credit card, it has a direct influence on your credit score. In fact, both the FICO score and the VantageScore models weigh your payment history and your credit utilization the most when calculating your score. Because of this, if you’re trying to rebuild your credit, using credit cards responsibly can be
If you’ve ever applied for a credit card or for a loan, you know how important your credit score is. But what if your credit score needs a little, or a lot, of work? Do you know how to fix it? Read on to find out the steps to fix your credit, as well as
Buying a home is something most dream of doing one day. But, how hard is it really? Your credit score is one of the major factors that lenders will consider when you’re applying for a mortgage. Do you know what kind of credit is required to secure a loan? Read on to find out more
If you’re wondering what a Credit Privacy Number (CPN) is, and whether or not it can legally be used to escape a bad credit history, read on. John Ulzheimer, credit expert for Credit Sesame, explains what you need to know about CPNs as well as a word of warning if you’re thinking about using one.
What you need to know about authorized users and credit scores Your credit score is a three-digit number that gives potential lenders or creditors a way to quickly gauge your trustworthiness as a borrower. Typically, credit scores range from 300 to 850, with higher scores translating to better credit. And a better credit score is