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How Your Credit Score is Calculated

How Your Credit Score is Calculated

Your credit score is a direct measure of your creditworthiness and usually ranges from 300 to 850. A variety of complex calculations are used to create your score. To complicate matters further, you have multiple credit scores. The most popular ones are FICO and...
Credit Repair Scams to Look Out For

Credit Repair Scams to Look Out For

Credit Repair Scams to Look Out For There’s more than one disadvantage to having a low credit score. To make matters worse, scammers often prey on consumers with poor or damaged credit. They take advantage of this vulnerability in numerous ways; while a credit repair...
Tax Day: 2021 Tips

Tax Day: 2021 Tips

Tax Day 2021 may not be until April, but there’s no harm in preparing early. You can avoid surprisingly high tax bills and even start itemizing your deductions. There may be unexpected ways you can save on tax payments this year. What Is Tax Day? Tax day is the filing...
What Does a Charge-Off Mean on a Credit Report?

What Does a Charge-Off Mean on a Credit Report?

A late payment is bad enough to have on your credit report. Even worse is a charge-off, meaning the creditor has written off your account as a loss. However, this is an accounting process on their end. While the asset has been taken off the company’s books, you are...
Why Do I Have Different Credit Scores?

Why Do I Have Different Credit Scores?

There are different places to check your credit score. This three-digit number is an important indicator of your financial responsibility. A complicating factor is that you can have different credit scores, depending on where you look. Your credit is constantly being...