How do I find my credit score?

White woman with a short bob haircut and wearing a graphic white t-shirt sits in a meadow with her laptop in her lap and holding her credit card

How do I find out my credit score? Who wants to know it, and what factors influence its change? Submitted by anonymous. A credit score is a representation of how someone managed their debts. It is meant to help creditors understand our financial responsibility. Payments on our loans and balances on our credit cards are…

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How can I get a loan for a cheap used car?

Dirty red Toyota hatchback with supplies on top overlooks mountains in the distance

Hello, Saundra! How do I go about finding and choosing a certain type of loan (if one exists) that would enable me to quickly buy a cheap used car (around a couple thousand) that I could be able to pay back (with no job/income) with only the money I have saved from last semester’s student…

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6 Steps for When Your Credit Is Denied

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First, let’s start with the facts. There’s a widespread fallacy that a score determines whether or not you get credit. The truth is that lenders use a variety of factors to make credit decisions. These factors include your FICO scores, but also take into account your income, your employment history, and your credit history. This…

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How to Rebound from a Credit Slip

Credit slips can happen to anyone – and although you may panic when you see that number go in the wrong direction, sometimes even the best financial decisions may bring about a credit slip. So dust yourself off and congratulate yourself on being proactive in checking your credit score and taking actions to help it…

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Why Do Different Companies Show Different Credit Scores?

Why do different companies show different credit scores? Credit Karma showed my score 70 points higher than the banks! Submitted by StillLearning. Ah, the mysteries of credit scores. Let’s get the nuts and bolts down, then we can talk about the best approach to getting the information you need. There are several credit reporting companies…

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What Is a Credit Report?

Your credit report is a summary of all of your reported financial history. Keep a close eye on this to make sure that it is accurate because it determines your credit score. Checking your credit report is a first step to achieving some of your financial goals. It’s a good idea to check your credit…

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