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If you fail to repay a debt and your lender sells that debt to a collection agency, you can end up with two negative entries in your credit report—one for the original debt, and one for the collection account. The open date for a collection account may be months or even years after the original … Read more

FICO Score 8 is one of the many different versions of FICO credit scores. Since FICO Score 8 was launched, two newer versions of base scores—FICO Scores 9 and 10—have been released. However, FICO Score 8 remains one of the most widely used FICO credit scores. Find out more about FICO 8, such as how … Read more

Your credit utilization ratio is important even if you pay your bills in full. You could have a high credit utilization if your card issuer has already reported your card’s balance to the credit bureaus prior to your payment. You wont accrue interest on your purchases if you pay your credit card bill in full … Read more

There is no limit on how many credit cards you can have. The important thing is not to get into too much debt. Hey there, fam! Let’s chat about a question that’s prob’ly crossed your mind if your wallet’s startin’ to look like a plastic jungle: how many credit cards is too much? Real talk—there … Read more

Using no more than 30% of your credit limits is a guideline — and using less is better for your score. 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, this … Read more

You’re ready to buy a car, but first you need to figure out the right way to finance it. The good news is that you have options: You can get your car loan from a bank or credit union, or you could go through the dealer. Both have their benefits and considerations, and it’s best … Read more

Whether you’re establishing or building your credit, applying for a credit card can be a big decision. The first step is finding a card that meets your needs. And if it comes with helpful benefits, that can be even better. Hey, friends! Have you ever wondered what the big deal is with platinum credit cards? … Read more

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

Hey there, credit champs! If you’re sittin’ pretty with an 800 credit score, big props—you’re already in the elite club. But I know some of y’all are eyeing that perfect 850, the holy grail of FICO scores. Why settle for awesome when you can be legendary, right? I’ve been down this road, obsessing over every … Read more

Hey there! So, you’ve got a 777 credit score, or maybe you’re just curious if that number is any good. Well, lemme tell ya straight up—yes, 777 is a damn good credit score! It’s considered “Very Good” and sometimes even “Excellent,” sitting way above the average. With a score like that, you’re in a sweet … Read more