Factors Affecting Your Credit Score Credit can be confusing, but understanding the factors that affect your credit score will help you to better manage your finances. Here are the most critical factors affecting your credit score: Your payment history on all loans and credit card accounts for a little over a third (35%) of your […] READ MORE
We all know enough to pay our bills on time and carry as little debt as possible, and most of the time, that is all that matters in your credit score. Yet other, smaller factors that many people aren’t aware of can cause your score to suffer. Small Unpaid Private Debts Many people pay their […] READ MORE
One of the smartest financial moves you can make now is to pay down your credit card debt. Credit card companies have always been notorious for high interest rates and fees. The passing of the 2010 Credit Reform Act then caused issuers to raise rates even further, though limiting some of the fees that were […] READ MORE
"Debt isn't a bad thing, just as long as you understand the differences between good debt and bad debt." READ MORE