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Credit
Stephen M.W.

The FICO vs Vantage Credit Scores

There are defining differences between the FICO vs Vantage credit scoring models. Most credit industry professionals consider FICO to be the “real” score because it is used by 90% or more of lenders. Because lenders almost never use VantageScore for making loan approval decisions, it is often called a “FAKO score”. (Pronounced like “fake-o”.) Free

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Credit Report
Credit
Nick Gallo

The Best Way to Check Your Credit Score

Having a good credit score is the key to a lot of things in life. You’ll need one to rent a decent apartment, get a mortgage, and qualify for that fancy travel credit card. If you’re like most people, you might not know the best way to check your credit score. Staying up to date

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Credit
Steve Rogers

Is 670 a Good Credit Score?

A 670 credit score is “good”, according to the credit score company FICO®. Because the average FICO score is 711, this puts a credit score of 670 to be below average, but it can still get you qualified for a home loan, a car loan, and a variety of credit cards.  Before we go more

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Credit Report
Credit
Garit Boothe

How to Build Credit with Bad Credit

The process of building good credit is the same whether you have bad credit, new credit, or are starting from scratch. We can all start learning how to build credit at 18, or even sooner. The difference with bad credit is that you must get rid of negative items on your credit report in addition

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Mortgage
Credit
Garit Boothe

Why is Credit Important?

Good credit gives you financial control if you use it in the right way. Your credit score will determine whether you can get a car, home loan, or credit cards. It’s a little more than that too. A strong credit history shows lenders that you are trustworthy and able to pay off debts. Good credit

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Credit
Garit Boothe

How to Build Credit Without a Credit Card

We all know the importance of building a good credit score. It creates opportunities to borrow money, buy houses, and finance cars. Building credit without a credit card may seem impossible. How do you build a solid credit history if you don’t qualify for it? First, take a breath. There are many ways to build

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Credit
Garit Boothe

How to Build Credit at 18

If you’re a normal person, your parents didn’t help you build credit as you were growing up. Most 18 year olds don’t have credit, which can make life quite difficult.    Here’s how you can build your credit in record time, even at the tender age of 18. This methodology applies to anyone who doesn’t

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