If your credit score has taken a hit this year, there isn't much you can do to erase your history, but there are steps you ...

Your credit utilization ratio is the amount of debt you have divided by your total credit limit. Credit utilization accounts for a decent chunk of your credit score, so aim to use no more than 30% of ...

Understand credit denial, including common reasons why credit applications are rejected and what you can do next to improve ...

This article originally was published on the Motley Fool. Most consumers are fully aware that their credit score and credit report have a lot to do with whether or not they can get a mortgage loan, a ...

SAN ANTONIO — Hard and soft credit checks both show the same information. The big difference is one has no effect on your credit score while the other will lower it. A hard check happens when you ...

Discover the meaning of adverse actions in finance and employment, learn how they affect credit and job applications, and explore practical examples and your legal rights.

Your credit score will fall into one of five ranking categories, from poor to excellent. Your category will determine what kinds of credit cards you can get. Your payment record and the length of your ...

Your starting credit score depends on your initial credit activity; there is no standard starting point. You need at least one open account with one to six months of activity reported to receive a ...

Financing a new home has become increasingly difficult, with mortgage application rejections rising from 10.2% in 2019 to 12.1% in 2023 and 20.7% in 2024. Bad credit can make the homebuying process ...

Michelle Lambright Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert and personal finance writer with nearly two decades of experience in the credit industry. She ...

The biggest-ever study of real people’s mortgage data shows that predictive tools used to approve or reject loans are less accurate for minorities. We already knew that biased data and biased ...

Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert. He took a deep dive into points and miles in 2016, searching for a way to make travel both possible and affordable for ...