Ok, so good news first: divorce does not directly affect your credit, let alone harm it. For all the personal information your credit reports contain, they don’t list your marital status. Address? Yep. Social Security number? You got it. Remember … [Read more...]
Building Credit in College
Crazy as it sounds, your credit score may have more of an impact on your life than your college degree. Sure, on average, college graduates make $1 million more over their lifetimes than people who stopped at their high school diploma, but to make … [Read more...]
Repairing Your Credit Score Starts With You
Nobody can repair your credit for you with some statistical mumbo-jumbo. In fact, any company which promises to improve your credit score for you overnight is probably acting illegally or misleading you, as the only way to improve your credit score … [Read more...]
5 Bad Credit Habits to Avoid
Credit, though not a perfect system, is still an important one. Whether or not you agree with the finer points of how scores are calculated or how your information is commodified, you cannot deny the usefulness of the credit system as a … [Read more...]
5 Things You Probably Think You Know About Credit (But Really Don’t)
You’ve heard of credit because you have credit or you will have credit sometime in the near future. You understand how important it is, realize the difference between scores and reports, and know what it means to have a score of 750 versus a score of … [Read more...]
Civil Rights as a Consumer with Credit
In 1970, the U.S. government passed the Fair Credit Reporting Act in order to protect consumers from willful or negligent inaccuracies on their credit reports. It seeks to promote the accuracy, transparency, and fairness of credit reporting … [Read more...]
What’s a Credit Score?
In the United States, a credit score is a statistical analysis of a person’s credit history used to determine their creditworthiness. It is represented by a numerical value between 300 and 850, with higher values correlating to better … [Read more...]
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