Answering your top 10 questions about credit scores.

1. What is considered a good credit score?
Unfortunately, there isn’t just one credit score because there are several credit reporting agencies, each with their own scoring model and number range. Some go as high as 990, but the scoring system used by FICO (the Fair Isaac Corporation) is most popular. FICO scores range from 300-850 and a 680 is considered good and above 720 an excellent credit score.

2. Will paying off debt and closing credit cards help my score?
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15 Things you can’t get with a bad credit score.

We all know that managing your credit is vital to financial success, but did you know that a bad credit score or blemishes on your credit report can hold you back from getting the things you need in every day life? Of course big ticket items like home loans and car loans are much more difficult – or impossible – to get without a good credit score, but you might be surprised what other day-to-day purchases, services, and even your ...

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Is my credit score FICO or Fake-O?

We’ve all seen them: those quippy credit report commercials with the jingles that get stuck in your head all day long. They talk about credit monitoring, bad credit and of course they offer – what luck! – a free credit report.

Well, as the old adage goes, if it sounds too good to be true, it probably is.
What many credit reporting companies such as these don’t tell you, is that all credit scores are not created equal. Sure, it’s possible ...

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Climbing your way to the top of the credit score mountain.

Do you have a top-notch credit score? If you have a 720 or higher FICO score, you may be patting yourself on the back, as that’s commonly considered a superior score. But most people don’t realize there is another whole level to climb on the credit score mountain and reaching the peak will get you even better savings on interest rates, mortgages and loans. FICO scores go all the way to 850, yet many people stop looking upward once they ...

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