Your Credit

Your credit is an important part of debt management — bad credit can cost you a lot of money, but a good credit can be an enabler that allow you to do more things for less money. This section covers information about your credit, credit scores and how to maintain a good credit profile. In addition to these articles, check out related articles in these sections: borrowing and lending money, debt reduction and management, and credit cards.

Your Credit is a subsection of debt management.

The Difference Between Hard Pull and Soft Pull Credit Inquiries

The Difference Between Hard Pull and Soft Pull Credit Inquiries

Not too long ago, I switched to a different Internet providers. When I called to set up my account, the customer service rep asked for my Social Security number. I asked why it was needed, and […]

How to Reestablish Your Credit After Bankruptcy

How to Reestablish Your Credit After Bankruptcy

One of the many myths surrounding bankruptcy is the idea that you will not be able to repair the damage to your credit rating.  While bankruptcy is the single worst thing you can do to your […]

Different Types of Credit Scores: FICO, FAKO, and Enhanced

Different Types of Credit Scores: FICO, FAKO, and Enhanced

Your credit score is one of the most important figures associated with your finances. And you have likely heard the television and radio commercials touting that you have three credit scores. However, you actually have more […]

Should You Pay to Track Your Credit Score?

Should You Pay to Track Your Credit Score?

The American public is inundated with advertisements to help you increase your credit score, get your credit score, or track your credit score over a period of time. Knowing your credit score is very important for […]

Get a Credit Freeze to Avoid Identity Theft

Get a Credit Freeze to Avoid Identity Theft

As you have probably heard, the fastest growing crime in the U.S. is identity theft. One of the ways that this is carried out is when someone uses your personal information, including your Social Security number, […]

How to Avoid Credit Card and Credit Repair Scams

How to Avoid Credit Card and Credit Repair Scams

In the credit card world, scam operators are taking money from innocent customers without adding value, misrepresenting claims and simply performing shoddy service. Fortunately, customers have an avenue to complain and the FTC has also taken […]

How to Build a Good Credit History

How to Build a Good Credit History

One of the most important aspects of your finances is your credit history. A good credit history can save you money on the interest you pay for loans as well as influence other aspects of your […]

Are Credit Monitoring and Identity Theft Protection Worth the Cost?

Are Credit Monitoring and Identity Theft Protection Worth the Cost?

When you open a credit card account there are a variety of new concerns presented. How are you going to protect that precious piece of plastic from theft along with your identity? How can you monitor […]

Why a Good Credit Rating is Important Even if You Don’t Use Credit

Why a Good Credit Rating is Important Even if You Don’t Use Credit

We hear a lot about how important it is to have a good credit rating. Indeed, we are often told that having a good credit is important, but we aren’t told why. For those who prefer […]

Are You Aware of the Most Common Credit Threats?

Are You Aware of the Most Common Credit Threats?

The Associated Press reports a new finding by FICO, Inc. that 25.5 percent of consumers, or nearly 43.4 million people, currently have a credit score of 599 or less. With a quarter of the nation suffering […]

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