If you think that your credit score is the number that the three major crediting bureaus report—Experian, TransUnion and Equifax—and that these are the numbers that are used to determine your credit worthiness and risk, get ready for a big surprise. Ultimately, these numbers are not the numbers that help establish loan terms and interest …Read More
The most widely used credit score is the FICO score. Credit scores are often called FICO scores because most credit bureau scores used in the U.S. are produced from software developed by Fair Isaac and Company (FICO). Your FICO score cannot be built or fixed overnight. Building credit is a gradual process that can easily …Read More
Paying with a credit card is convenient and saves most of us the time of ruffling through our cash and change at the register. But while that piece of plastic seamlessly secures payments without the hassle, those embossed numbers on your card are one of the most seductive pieces of financial information for identity thieves. …Read More
Your credit score tells banks and other lenders about your creditworthiness and the potential risk when lending you money. The three major credit reporting bureaus–Equifax, Experian and TransUnion–all have the information that creates your credit score. But how often does your credit score change? The frequency at which your credit score changes depends on how …Read More
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