Credit Scores & Credit Reports Articles

Our Credit Scores & Credit Reports articles will help you develop a better understanding of why credit scores matter and how you can make sure your credit stays healthy.

Ever wonder how you can fix errors on your credit reports or quickly improve your credit scores? We have the answers here.

  • How to Build Credit from Scratch
    January 2, 2012
    It really is a classic Catch-22. You've got to have credit to get credit. So if you have no credit history at all, how should you go about building...

  • Top 10 Things You Can Do Today to Improve Your Credit
    October 7, 2010
    The most difficult part about beginning a new exercise routine is getting your butt off the couch to go to the gym. Yes, those endless reruns of "America's...

  • Credit Scores That Matter
    March 31, 2010
    Credit scores can be confusing enough without having to worry about whether the score you just purchased is a "real" credit score. Major Credit Reporting Agencies (CRAs) unfortunately add...

  • 5 Ways to Protect Your Credit Score in 2010
    January 13, 2010
    The financial crisis of 2007-2009 changed the world of consumer credit forever. So what will 2010 bring to the credit industry? To sum it up it one word—reform....

  • Credit for Paying the Bills
    September 7, 2009
    I find it hard to believe there are still millions of Americans that don't exist within our nation's credit-scoring system. Since credit has played an integral role in my...

  • Why Credit Still Counts
    June 5, 2009
    It's easy to despise the credit issuers. Who else should we blame for the ugly state in which our credit card industry exists today? Should we blame consumers for...

  • What Makes Up Your FICO Score?
    January 19, 2009
    Perhaps the most common question about credit is, "What makes up my FICO Score?" That may not surprise you since you're reading this article to answer that very question....

  • Reduced Credit Card Limits Hurt Consumer Credit Scores
    July 6, 2008
    We spend a great deal of time in the credit industry educating consumers about credit utilization and explaining why it's important to understand the term. As banks and...

  • Experian Implements New Credit Scoring Model: Authorized User Accounts Dropped
    June 27, 2008
    The announced a major change in 2007 to their credit scoring formula, which ignited quite a bit of controversy and anticipation throughout the industry over...

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When a lender forecloses on a home, it can choose to either forgive any remaining debt or pursue the homeowner for a deficiency judgment. If the lender chooses to...