FICO & Credit Scores - Page 3

There are several ways to improve an ugly credit score, and some work fairly quickly. The methods you use depend on why you have a bad FICO in the first place.

What is a good credit score, and how can you go from good to excellent? Find out here.

Credit score ranges determine how creditors, insurers and even employers look at you. What is a good credit score, and how can you get there?

Free credit reports are a good way to protect yourself from identity theft and ugly surprises when applying for a job or loan. You can get them from the government for free or by applying for credit with companies like Discover.

How do you build credit? By using small amounts each month and repaying religiously on time. By improving your mix of credit with an installment loan or a mortgage. Here is a step-by-step guide to building credit.

Credit repair services cannot legally do anything you can't do yourself, and they can charge a lot to do very little. And debt settlement companies can take all your money, ruin your credit and still land you in court. There are better ways to fix your credit.

You may need bad credit loans if your credit is poor or even fair. FICO credit score ranges divide consumers into four tiers: excellent, good, fair and poor.

Having no credit is okay if you are a hermit who pays for everything with cash or some sort of barter. But most of us have a hard time today with no credit.

Negative or derogatory information can take years to drop off of your credit history. But good payment history can improve credit score numbers quickly.

There are 5 major factors that go into calculating your credit score. This post explains them.

Only the government's web site, annualcreditreport.com, offers your credit history for free without strings attached. Its free credit report is a good way to protect yourself from identity theft and ugly surprises when applying for a job or loan.

If you're asking "How do I get a credit report?" you have come to the right place. It's not that hard, and may even be free.

Student loans and credit affect each other. Many adults experience difficulty borrowing for a mortgage or car because of excessive student debt. Here's what you need to know.

Does checking your credit score hurt your credit? Not if you do it right.

The 820 credit score is the gold standard if you're applying for a mortgage or any other loan. How much can you save by improving your score?

Free credit scores are not that hard to come by. But be careful what you're getting into when you sign up for credit scores for free.

It's tough to get credit when you have no credit history. But not impossible. You need credit to get credit, and here's how to get it.

Do you need bad credit mortgages just because you have no credit score? Not unless your credit history is actually bad. Here's what you need to know.

Don't get an ugly surprise when you apply for a mortgage. Here are the steps to remove derogatory items on my credit report

What credit score do you need to rent an apartment or rental house? In some cases, more than you do to buy a house. Here's how to avoid a credit check, and to improve your score if you have to pass one.