What Affects Your Credit Score? The 5 Factors That Matter

what-affects-credit-score

Most people have a vague sense that their credit score matters, but almost no one knows what actually moves it. They obsess over things that barely register and ignore the factors doing real damage. So let’s clear it up for good: here’s exactly what affects your credit score, ranked by how much weight each piece Read More

How to Build Credit From Scratch: 7 Proven Steps for Beginners

person building credit from scratch with a secured credit card

Learning how to build credit from scratch feels like a cruel joke when you first run into it: you need credit to get approved for things, but you can’t get approved for things without credit. Renting an apartment, financing a car, sometimes even setting up a phone plan — they all want to see a Read More