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Guide to Credit Score and Credit Reports

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

Identity theft is fairly common, but it may take time to spot it. Here are 10 warning signs of identity theft and what to do if your identity is stolen.

A landlord may run a credit check on a potential tenant to see how well they handle money. Tenant screening may include rental history, income, and background checks.

While there’s no such thing as too many hard credit inquiries, each hard inquiry can drop a credit score by a few points – and make the borrower appear riskier to lenders.

What people are reading

How to Get an Apartment with ‘Bad’ Credit

 

Need an apartment but have “bad” credit? Though many landlords require a credit check, there are plenty of ways renters with bad or no credit can get an apartment.


What Does FICO Score 8 Mean?

 

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


Should You Use an Identity Theft Protection Service?

 

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.


No Credit Score: Can People Really Live That Way?

 

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.


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 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.


Can Using Buy Now, Pay Later Improve My Credit?

 

Buy now, pay later arrangements could soon help you build your credit score – but only if you pay on time. Learn how to make these services work in your favor.


What Is Credit History? An Intro Guide

 

Credit history is the record of how you repay your credit cards, loans, and other debts. Learn what it takes to establish good credit with this intro to credit history.


What’s the Minimum Credit Score Needed to Get an FHA Loan?

 

Technically, FHA loans require a minimum credit score of 500. But many lenders require higher credit scores – especially if you want to qualify for a 3.5% down payment.


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?


A personal line of credit can be an effective way to manage temporary cash-flow problems. Learn what a line of credit is and what to know before applying for one.

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.