Blog: Credit 101

5 Ways to Prepare Before Buying Your First Home

Are you thinking about buying your first home? You’re not alone – this year it’s estimated that hundreds of thousands of people will take that big step into the American Dream and purchase their first home. That process can be confusing,... Read more

Things you can’t get with a bad credit score.

We all know that managing your credit is vital to financial success, but did you know that a bad credit score can hold you back from getting the things you need and use in everyday life? Here are some things that are difficult or even impossible to get wi... Read more

Do inquires hurt your credit score?

The fact is that every time a vendor, bank, or merchant requests to see your credit report, it registers as an inquiry, an event visible on that report. But will these inquiries actually lower your FICO score? The short answer is: it could, but that&rsquo... Read more

Confessions of an Identity Thief

Hey, you! Yeah, I’m talking to you! The guy sitting there in Starbucks checking his bank balance on his iPad. Or the nice old lady waiting for her social security check to be delivered to her mailbox. Or even the family who doesn’t shred their... Read more

Components of the Credit Score

FICO, the Fair Isaac Corporation, is the preeminent credit scoring company, serving almost every bank, lender, and financial organization with its credit reporting of hundreds of millions of Americans. Your credit score is determined by an algorithm devel... Read more

Answering your top questions about credit score.

WHAT IS CONSIDERED A GOOD CREDIT SCORE? The scoring system used by FICO (the Fair Isaac Corporation) is most popular. FICO scores range from 300-850 and a 680 is considered good and above 720 an excellent credit score. WILL PAYING OFF DEBT AND CLOSING ... Read more


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