Speaking of Credit
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Stories & Articles
- Forget the 30 percent credit utilization ‘rule’ – it’s a myth
- Should I pay off or close my credit card to get a better mortgage?
- Credit scoring effect of opening vs. closing credit cards
- How do I remove old negative items from my credit reports?
- Will closing card with a remaining balance hurt my credit?
- Raising score for mortgage purposes? Don’t open new cards!
- Credit score impact of ignoring card debt while living on Social Security income
- Can immigrants transition from ITIN to SSN without hurting their credit score?
- Paying off in full vs. settling maxed-out card debt
- Too many new cards hurt my score. Should I cancel them?
- Unpaid cable termination fees can seriously hurt your credit
- Can decades of excellent credit disappear from my report?
- Can adding authorized user to charge card help them build credit?
- Should I avoid applying for a card that pulls all three bureaus?
- When paying off multiple credit card balances backfires
- How a balance transfer can negatively impact your credit score
- How will removing authorized user affect their credit score?
- Can parking tickets still be reported to credit bureaus?
- Q&A: What to do after defaulting on a credit card
- Is bankruptcy discharge a credit scoring factor?
- How multiple apartment rental credit checks affect your score
- How to cancel a gym contract without hurting your credit
- Adding paid-off credit account to my report; is it worth it?
- Q&A: Why is there a difference between my credit scores?
- ‘High balance:’ What it is, how it impacts credit score
- How a balance transfer to 0 percent card affects score
- I’m an authorized user on high-balance cards; what to do?
- Q&A: How cardholder behavior can impact your credit
- What open date is reported to bureaus on authorized user’s card?
- Q&A: How to achieve a good credit score as a first-time cardholder
- Q&A: How to handle old debt soon to be sent to collections
- Q&A: How credit utilization is calculated in a married couple’s scores
- Q&A: Should I contest credit card wrongly reported as closed by me?
- Q&A: How to combine existing card balances without hurting score
- Q&A: Library fines, parking tickets no longer trash your credit
- Q&A: Can post-bankruptcy deed in lieu be reported to credit bureaus?
- How does credit card activity affect my score?
- Best strategy to raise my credit score beyond 750?
- Q&A: Missing a card payment to build credit is terrible advice
- Q&A: Closing maxed-out card won’t lower credit utilization
- Q&A: Does being an authorized user on too many cards hurt my score?
- Wrongly reported old delinquencies can keep credit score low
- Approved for a too-low-limit card; better off closing it?
- 6 questions to ask when adding an authorized user to your card
- How will closing secured card, opening unsecured card affect credit?
- Loan can boost score faster than balance transfer deal
- Is credit card paid off 10 years ago lowering my score?
- Will removal of civil judgments boost my credit score?
- How and when to pay new cards to boost credit score
- Should I pay old card balance on a 1099-C I just received?
- Deed in lieu: How it lowers your credit score, and what to do about it
- Q&A: With multiple credit checks, timing is key
- A two-step plan for building young credit
- Tips for getting a big score boost when paying maxed-out cards
- How lowering your card limit hurts your credit score
- Credit pulls hurt score, but only once
- Your 6-months-with-no-payment credit score comeback plan
- 7 steps: Clean up your credit by spring
- Late payments’ recency, frequency, severity dictate score damage
- How credit scores attempt to predict the future
- Small credit line? Pay early to boost your score
- Mixed credit files: How to avoid, fix them
- Withholding payment after dispute goes against you
- How to restore your good credit score to great
- Autopayments, though convenient, can backfire
- Yes, worry about a 30-point discrepancy in your credit scores
- Small balance shows you use credit, helping your score
- Don’t close your credit card accounts to win a mortgage
- Being added as authorized user can boost credit age, score
- Credit bureau policies vary when freezing a child’s credit
- Removing yourself as an authorized user
- How becoming a widow affects credit
- How delinquent child support affects credit scores
- Hard inquiry warning not required
- 5 credit scoring head-scratchers
- Authorized user doesn’t like the piggyback ride
- How a Canadian can restart credit in the U.S.
- Who sees credit report 100-word statements
- Good payment habits will raise score after balance transfers
- Some states offer exceptions to credit reporting rules
- Positive information is not always reported to all three credit bureaus
- Lenders may remember old charge-off forever
- Wrong address in credit report won’t hurt score
- High installment loan utilization hurts your credit score
- Promotional inquiries’ impact on your credit score
- Credit utilization rules for managing your credit score
- Allocating card payments on a limited budget
- Automated credit score advice may not fit
- Check credit score before applying for balance transfer
- Credit score differences: How they occur, why they matter
- Involuntary authorized user wants to be removed
- How charge cards are different in credit scoring formula
- Rebuilding credit? Go easy on new accounts
- Immigrant seeks to build good credit faster
- Options limited when paying bills for relative in coma
- How hard and soft inquiries affect your credit score
- Raise credit score 30 points in 6 months? Tough, but doable
- How long negative information stays on a credit report
- Maxed-out card blocks entry to 800 credit score ‘club’
- How late payments get reported to credit bureaus