How long youve had credit affects your score. But paying on time and not using a lot of your limit matter more. The products shown on this page are mostly or entirely from our advertising partners. They pay us when you click on one of their links and then do something on our site. However, … Read more
Receiving a pre-screened offer or using a tool to check for pre-approval can be a great way to understand your credit card options. And getting pre-approved for a credit card typically wonât impact your credit scores. Find out how the terms pre-approval, pre-qualify and pre-screen are used. Plus, learn how card issuers can check your … Read more
Customer retention might play a role, but it may also simply be a result of using your card responsibly. Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our … Read more
According to the Amex website, American Express is accepted by 99% of places in the US that accept credit cards. You may not believe this because you’ve probably been to at least one store that has a sign by the credit card machine that says “No Amex” or something similar. I’m not here to dispute … Read more
Getting a mortgage after being late on a few payments in the past year depends on a lot of things, like the lender’s requirements, how bad your late payments were, and how good your credit history is overall. Some recent late payments won’t hurt your credit score, so you might still be able to get … Read more
There are companies that will charge you for your credit score, but you might be able to get one for free from your credit card company, another lender, or a non-profit credit or housing counselor. You actually have more than one credit score. Credit scores are calculated based on the information in your credit reports. … Read more
This is a popular free service called Credit Karma that lets you see your credit scores from TransUnion and Equifax whenever you want. However, Credit Karma provides VantageScore credit scores, not FICO scores. This makes it hard to tell Credit Karma scores apart from scores from other sources. A lot of the time, your Credit … Read more
Regularly checking your credit reports and credit scores is a good way to ensure information is accurate. But can checking your credit hurt your credit scores? [Duration: 00:54]. A lot of people are scared to ask for a copy of their credit report or check their credit score because they think it will hurt their … Read more
For a score with a range of 300 to 850, a credit score of 670 to 739 is considered good. 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 … Read more
Your credit score is one of the most important numbers in your financial life. It impacts your ability to get approved for loans and credit cards as well as the interest rates and terms you’ll receive. So where does an 862 credit score fall? Is 862 a good credit score? In this comprehensive guide, we’ll … Read more