Category Archives: FICO

Understanding Your Utilization Ratio: Tactics for Success
There are five factors that are calculated into your credit score: Payment History, Utilization Ratio, Length of Credit History, New Credit, and Credit Mix. Today, we are going to focus on Utilization Ratio. Your Utilization Ratio accounts for about 1/3 of your overall FICO score  - so it is important that you understand what it is and how you can improve it. Your Utilization Ratio, also commonly...
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5 Credit Facts You Must Know to Win the Credit Game
To win any game in life, you have to know the rules. It’s no different with your credit score. There’s a lot of misinformation out there. And when it comes to your credit score, bad information can be very dangerous. Here are five of the most important credit facts you have to know to build your credit score and “win” the credit game.

1. Your score...

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How Does Getting Married Affect My Credit Score?
"How does getting married affect my credit score?" That's a question we hear pretty often. Getting married does change a lot of things, as "yours" and "mine" become "ours". But, when it comes to your credit scores, it will still be "his" & "hers". Getting married means learning how to share many things – chores… the toothpaste… the tv remote. It also means learning how to share...
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