What Is Credit Utilization and Why Is It So Important to Your Credit Scores?

What Is Credit Utilization and Why Is It So Important to Your Credit Scores?

Updated September 27, 2021 If you want to earn great credit scores, pay your bills on time every month. The previous statement is good advice; however, it is also incomplete. Paying your bills on time is not enough to achieve and maintain great credit scores. Only 35% of…

9 Ways Financial Professionals Use Good Credit to Get Ahead

9 Ways Financial Professionals Use Good Credit to Get Ahead

Over the years, I’ve been fortunate to earn and keep an excellent credit rating. And I’ve used my excellent credit many times to my advantage. From opening premium rewards credit cards and earning free vacations to qualifying for four low-rate mortgage loans, my excellent credit has saved me tens of thousands of dollars.

But you don’t have to take my word for it.

I reached out to financial professionals across the country and asked them to share their best credit-related wins. Here’s a look at 9 ways that 9 financial pros used good credit scores to get ahead.

How Many Points Will A Credit Inquiry Lower My Credit Score?

How Many Points Will A Credit Inquiry Lower My Credit Score?

Updated November 14, 2021 Credit savvy consumers know that letting too many lenders pull their credit report in a short period of time might be a bad idea. If you weren’t aware that excessive credit pulls (aka credit inquiries) have the potential to hurt your credit score, that’s…

Why Is the Credit Score My Lender Checked Different Than the Credit Score I See Online?

Why Is the Credit Score My Lender Checked Different Than the Credit Score I See Online?

Updated October 7, 2021 If credit scores confuse you, you are not alone. Between 37 to 58 percent of consumers indicated that their level of credit score knowledge was either fair or poor in a credit score survey released by VantageScore Solutions and Consumer Federation of America last…

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