Credit Score

Study Reveals How Millennials Handle Their Credit Scores

Millennials have the least understanding of what impacts a credit score than older generations, but that isn’t stopping them from trying to improve their credit, according to a recent study. Millennials (ages 18-34) check their credit scores the most and are the best at

How Rapid Rescoring Can Boost Your Credit Score by 100 Points

Mortgage lenders check borrowers’ credit reports for a good and simple reason — to ensure they can afford a home loan. But sometimes credit problems are on the reports, which can lead to the loan being denied. Sometimes borrowers know about these problems well

How Marriage Can Affect Your Credit Score

Marriage is a union in many ways. Someone’s financial problems that they had before marriage can become part of that union, potentially creating problems for them as a married couple. But the problems may not be as big as you might suspect. Here are

How Eviction Can Affect Your Credit Score

Going through an eviction can be the nadir of financial problems. Losing a job, unpaid medical bills and being hounded by bill collectors can be major life events accompanying an eviction. Being evicted from your home or apartment may be the final financial straw

What Does Winning the Lottery Mean for Your Credit Score?

With the recent Powerball payout of more than $750M to a woman in Massachusetts, I thought it would be interesting to dive into how winning the lottery could potentially affect your credit score. While not every Powerball winner brings in the crazy amount of

How Long Hard Inquiries Stay on Your Credit

Hard inquiries stay on your credit for 2 years. However, that doesn’t mean a hard inquiry negatively affects your credit for 2 years. Rather, a hard inquiry will only affect your credit for up to 12 months. Even then, hard inquiries only hurt your

10 Credit Hacks to Improve Your FICO Score

Most of you who have been reading this blog for awhile know that I prescribe a very detailed and specific method for improving your credit score quickly. It basically boils down to removing negative items from your credit report and rebuilding your credit with

Improve Your Credit Score by 100 Points in Less Than a Month

In most cases you can easily improve your credit score by at least 100 points within a month. The key to doing this is focus, organization, and having the right techniques. I have counseled thousands of people over the years on how to successfully

How I Finally Got a Perfect 836 Credit Score

Today is an exciting day for me. After almost 10 years of blogging about my credit improvement journey, I have finally achieved what I believe is a nearly perfect FICO credit score: 836. My credit repair journey started when I had a credit score

What Your Credit Score Range Means

When your credit score is under 750, you probably have a negative entry like a late payment. The easiest way to quickly improve your credit score is to get that negative entry removed. If you’re the type of person who would rather have a