Category Archives: Credit Scores

How do Credit Bureaus Get Your Information?

Three major credit bureaus

The top three credit bureaus (also known as credit reporting agencies) are Experian, Equifax and TransUnion. When you’re applying for credit, lenders depend on the data provided by these bureaus to make their decision whether or not to lend you money. So where does this data come from in the first place?

Checking your credit score should always be free. Here’s exactly how to do it.

Credit Score Meter A handy reference for a variety of options to check your “score” — or at least an approximation.  A variety of scoring models exist, often depending upon the credit product. For more information, visit: http://https//

New federal law allows consumers to freeze credit

Street Signs

If you have accounts on your credit reports that you do not recognize, learn more at   Visit for free credit reports or purchase them directly from each bureaus website ( , , , )

How to Monitor Your Credit Without Hurting Your Credit Score

Credit Score Sign

There are two primary credit scoring models that lenders use to determine your risk. They are: FICO® Score VantageScore Even though each model uses the same credit reports, they weigh the information differently. This means that some consumers may see a significant difference between their two scores. The score that is used will depend on the […]

To Raise Your Credit Score, Start by Understanding It

Credit Score Logo

The nuance in credit scores comes from the elements beyond simply paying what you owe on time, although there is less transparency with these other factors influencing your score. The second-largest part of your score’s makeup belongs to how much you owe.    

A high credit score can save you thousands of dollars—here are 2 of the simplest ways to increase yours in 2019

Man checking his credit score When it comes to paying off your mortgage, NerdWallet found that an excellent score will save you more than $10,000 in interest over 30 years, compared to a score of 680.  Do your credit reports contain inaccurate derogatory information?  Visit for free credit reports.

How More Americans Are Getting a Perfect Credit Score

Members of the 850 Club can be broken into two groups. There are the super-knowledgeable tacticians trying to crack scoring algorithms, and the naturally prudent. Some are prepping for a loan. Others are just credit-score hobbyists. Paul Chua, 40, who works at San Carlos, Calif.-based Helix, a startup focused on personal genomics, is one of […]