How Can You Monitor Your Credit Profile For Free?

Because your credit scores are based on information in your credit report, it is important to make sure that the information in your credit report is accurate. You should review your credit report from each credit reporting repository at least once per year and especially before a large purchase, such as a house or a Read More >

What Makes Up a Credit Score?

While there are 22 criteria that determine a credit score, they can be narrowed down to 5 ‘key’ criteria. Let’s look at what each category measures and some of the primary ways you earn or lose points for your individual score. 1)    Payment History – This represents 35% of your credit score and is the history of Read More >

What Does Affect a Credit Score?

There are 22 criteria that determine a credit score and the formulas that each credit bureau uses to calculate their respective credit scores are a closely guarded secret. Some of the criteria are fairly obvious, but most are not. You can achieve a higher credit score if you understand the criteria for how you are Read More >

What Doesn’t Affect a Credit Score?

There are a multitude of factors that affect and determine your credit score. However, there are a great many things that don’t affect your credit score. Contrary to popular belief, you can impact your credit score both positively and negatively. You can achieve a higher credit score if you understand the criteria Read More >

What is a Credit Score?

Most people today are aware of credit scores and that a credit score can be good or bad, but don’t know much more than that, so I thought I would explain what a credit score is to help people gain a better understanding of the seemingly innocuous score that can have a major impact on areas of people’s lives that they Read More >