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A New Credit Score Is Coming: What You Need to Know About VantageScore 4.0

A new credit score will be finding its way to a credit bureau near you very soon. VantageScore Solutions, a joint venture of the three

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How to Tell If a Credit Repair Company Is Breaking the Law

By John Ulzheimer and Chad Kusner Regardless of what you may have read or heard about the process called “credit repair,” it’s legal and consumers

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Just Say No to Co-Signing (Your Credit Will Thank You)

There is no shortage of mistakes you can make when it comes to your credit. Missing your payments, running up large credit card balances, and

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Want Your Free Credit Score? More Credit Cards Are Willing to Give it to You

If you’re searching for your credit score, you can put your wallet away, because you’re not going to need it. In recent years credit scores

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Three Things Nobody Tells You About Your Credit

If you’re like most Americans, you probably learned absolutely nothing about credit as a part of your high school or college education. As a result,

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Why Your Credit Score Could Get a Big Boost This July

It’s doubtful many of you know what the CDIA or the NCAP are, but you need to know, and you need to know right now. People

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Three Common Credit Mistakes and How to Fix Them

If credit was easy, then everyone would have a VantageScore or FICO score of 850. But it’s not easy, and mistakes happen. Your challenge as

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Unpaid Taxes and Your Credit

“…but in this world nothing can be certain, except death and taxes.”  –Benjamin Franklin Welcome to tax season. For many people in the U.S., filing

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Don’t Fall for These Credit Repair Scams

Have you ever struggled with credit problems? If so, chances are you’ve probably wished, at least once, for a solution to erase all your credit

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How Late Can I Make a Payment Before It Shows Up on My Credit Report?

One of the more commonly misunderstood and misreported aspects of credit reporting is exactly when a late payment will show up on your credit report.

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Buying a Home This Year? Start Now to Get Your Credit in Shape

Are you planning to buy a new home this year? Unless you’ve recently won the lottery or can otherwise afford to pay in cash, it’s probably time

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Four Habits of People With Great Credit

Are you trying to earn and maintain excellent credit — as in a score greater than 800? Do you want to live with the peace of mind

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Equifax, TransUnion Fined for Deceptive Credit Score Marketing

The Consumer Financial Protection Bureau (CFPB) has ordered two of the nation’s three largest credit reporting agencies, Equifax and TransUnion, to pay more than $23 million

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A 12-Month Plan to Raise Your Credit Score in 2017

Are you ready to finally gain control of your credit scores in the new year? Working to improve your credit is an admirable resolution, and

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Is a 700 Credit Score the Magic Number?

The two most popular credit scoring brands, FICO and VantageScore, both feature a current credit score range of 300 to 850. It’s common knowledge that

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Your Credit Card Minimum Payment Is Just That — a Minimum

When finances become tight it can be quite tempting to cut back on your credit card payments. After all, if you send in a small

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New Year’s Credit Resolutions That Could Change Your Life

If you think this article’s title sounds a little dramatic, that’s by design. But the truth is, the condition of your credit actually has a massive

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Why Is Credit Utilization Such a Big Deal?

Credit scores can either save you a ton of money or cost you just as much. Ultimately it’s your own credit management habits that will determine