Guide to Credit Score and Credit Reports

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

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.

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.

If your credit scores are different depending on where you look, don’t worry. There are many reasons why your credit score can differ – and most of them are normal.

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 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.


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?


Late payments stay on your credit report for years and can only be deleted if they’re incorrect. Here’s how to remove erroneous late payments from your credit report.

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.