The “perfect credit score” is a bit of a misleading term because just being in the top tier of credit scores usually will grant you the same privileges as having
Becoming an authorized user can do wonders for your credit report but it can also do some harm if you’re not careful. Here’s a run down on how becoming an
One of the first questions that people tend to have before jumping on new credit cards is whether or not their credit score is going to be hurt if they
A lot of people are disappointed to find out that their credit score has gone down after opening up a new credit card. In some cases the credit score goes
This is the story of how I was able to remove student loan late payments from my credit report. As soon as I found out the amazing travel benefits created
A very common question that I see come in often is: how long do hard inquiries stay on your credit? It’s an important question and understanding both the short-term and the
Are you trying to improve your credit score by 200 points or more? Are you wondering what is actually possible and realistic in terms of improving your credit profile? Well,
A lot of people wonder whether or not their income affects their credit score. The answer is a little bit more complicated than a straight “yes” or “no” since there
Credit mix is a category that accounts for 10% of your total FICO score. It’s an often overlooked category and probably the least discussed category of your score. While it’s
For a lot of beginners, there’s some confusion regarding whether or not you should pay off your credit card balance each month. A lot of people actually think it harms
