Originally published on 5/22/17 and updated 4/18/26 by Michelle Lambright Black Accessing your credit information is easier today than ever before. And honestly, that’s a good thing—especially when it comes to accessing your own credit reports. Federal law gives you the right to review your credit reports for…
Category: Credit Reports & Scores
What Is Credit Utilization & Why It Matters for Your Credit Score
Learn how credit utilization impacts your FICO® and VantageScore, why high balances hurt, and the best tips to lower utilization and boost credit scores.
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 to Buy a Home: 5 Steps to Take Before You Start House Hunting
Download the free CreditWriter.com Homebuying Prep Worksheet to track your credit, budget for your down payment, and plan your next steps with confidence.
Where Do Credit Scores Come From?
Today, it’s common knowledge that credit scores impact your financial life in many important ways. Anytime you apply for a mortgage, car loan, credit card, or financing of any kind, a lender is likely to consider your credit score to determine whether it’s willing to approve or deny…
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…