Guide to Credit Score and Credit Reports

Learn more about your credit score and how to manage it.

FICO Score 8 is currently the most popular of many FICO scoring model versions that businesses use to size up a borrower’s risk.

Identity theft protection services can help you safeguard your identity for a fee. While there are ways to protect yourself, many feel that such services are worth the cost.

You can’t have a zero credit score but you can have no credit score. Learn why living without a credit score can make some financial goals harder to achieve.

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FICO Scores vs Credit Scores


FICO scores are credit scores but not all credit scores are FICO scores. Learn the difference between credit score types to better understand your creditworthiness.

What Is a FICO Score? Do FICO Scores Really Matter?


Your FICO score is a three-digit number based on the info in your credit report. Learn what your FICO score is, why it matters, and how it’s calculated.

How to Prevent Identity Theft Online – And Off


Identity theft can be a costly hassle that affects up to 1 in 3 Americans. Here are 7 common identity theft techniques and related tips to help protect you from each.

What Are UltraFICO and the Other New Credit Scores?


FICO has three new credit scoring methods that change how your score is calculated: UltraFICO, FICO 10 & FICO 10 T. Here’s what’s changing and what it may mean for you.

What Affects Your Credit Score?


There are many factors that can influence your credit score. Find out how late payments, debt and credit history can impact your score.

What is a Credit Report and Why is it Important?


Understanding what a credit report is could be confusing. Learn what information a credit report contains and how to get your credit report for free.

How Often Does a Credit Score Update?


Find out how often a credit score updates – is it a day, or does it take a month to see changes in your credit report?

How to Improve Your Credit Score


Earning a top credit score takes time. Learn the different factors that affect your score and four strategies that may help to improve it.

Understanding how ‘credit score’ is defined, how credit scores work, and how they’re calculated can help you establish a positive financial future.

The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.