If youre monitoring your credit score or preparing to apply for a mortgage, youve likely wondered, “How accurate is Credit Karma?” This comprehensive guide will answer that question and provide valuable insights into how to best use this popular free credit monitoring service. Credit Karma, which gives you access to VantageScores from TransUnion and Equifax, … Read more
People with credit scores between 300 and 850 have good credit. Scores between 670 and 739 are bad. Credit scores of 740 and above are very good while 800 and higher are excellent. Credit scores between 300 and 850 are good, with a score in the mid to high 600s or higher being the best. … Read more
Depending on your credit score and financial situation, having an $8,000 credit line may be good. There is no one credit limit that works best for everyone, but here are some important things to think about if you want an $8,000 credit line: Credit Utilization Ratio Your possible credit utilization ratio is one of the … Read more
Equifax’s business credit score is one of the most commonly used measures of creditworthiness, and it is considered to be a reliable indicator of how likely a borrower is to repay a loan. The scoring system that Equifax has in place factors in credit history, the amount of debt, the number of late payments, and … Read more
Hey there! You’ve come to the right place if you want to know “Can I add my spouse to my credit card?” I’m going to tell you the truth about it right now. Yes, you can! Most of the time, all it takes is a few clicks or a call to your card issuer. Wait, … Read more
At Upstart, we believe you’re more than your credit score. Your credit score is simply a number based on the information in your credit report, and doesn’t consider anything else. Still, it might be helpful to know what your credit score is and what it means for you. While there is no universal definition of … Read more
Getting an auto loan can be challenging, especially if you have bad credit With lower credit scores, you may find it difficult to qualify for financing from banks and credit unions. In this situation, you may be wondering – what dealership is easiest to get financing from? There are a few ways that people with … Read more
If a debt collector contacts you, use the opportunity to find out about the debt, which will help determine if they’re legitimate and if you really owe it. When a debt collector calls you for the first time about a debt, they are usually required by law to give you certain information about the debt … Read more
One of the first steps on your home-buying journey is saving up for a down payment. A down payment is an upfront lump sum that a buyer pays toward the purchase price of a home, which is separate from closing costs. It’s typically expressed as a percentage of the total cost of the home, with … Read more
Having a strong credit score is crucial for getting approved for loans and credit cards with good terms. But not everyone has excellent credit. In fact, a significant percentage of Americans have lower tier credit scores. If you have bad or fair credit, understanding what a tier 4 credit score is can help you figure … Read more