Hey there, friend! Ever wondered if you can peek at all three of your credit scores—ya know, the ones from Equifax, Experian, and TransUnion—without shelling out a dime? Well, I’m here to tell ya, you sorta can, but there’s a lil’ twist While getting the actual scores for free straight from one spot ain’t always … Read more
Your credit score is one of the most important numbers in your financial life. It impacts your ability to get approved for loans and credit cards as well as the interest rates and terms you’ll receive. So where does an 862 credit score fall? Is 862 a good credit score? In this comprehensive guide, we’ll … Read more
Taking out a mortgage is likely to lower your credit score, at least in the short term. How much your score drops depends on various factors, including credit history, but a new LendingTree study suggests getting a mortgage doesn’t significantly impact your credit score. Specifically, the study shows credit scores are unlikely to fall by … Read more
You could owe capital gains tax if you sell a home that has appreciated in value because it is a capital asset. However, thanks to the Taxpayer Relief Act of 1997, most homeowners are exempt from needing to pay it. If youre single, you will pay no capital gains tax on the first $250,000 of … Read more
When applying for a mortgage or insurance, you may be surprised by how much information and documentation underwriters request from you As an average person just trying to get approved, it can feel intrusive and excessive. However, there are good reasons underwriters need access to so much of your personal and financial information. An Overview … Read more
Rent and certain other tradelines can appear on your credit reports if your landlord or the service provider reports your payments to credit bureaus. This reporting is not mandatory, but some financial apps can help you report rental payments and other bills to credit bureaus, which can help you build credit if you make timely … Read more
Hey there, credit champs! If you’re sittin’ pretty with an 800 credit score, big props—you’re already in the elite club. But I know some of y’all are eyeing that perfect 850, the holy grail of FICO scores. Why settle for awesome when you can be legendary, right? I’ve been down this road, obsessing over every … Read more
A 500 credit score falls into the bad range. Youll have trouble getting credit, but your score can recover. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, … Read more
If your credit score is 734, you are right in the middle. According to Experian, the average American consumer has a FICO Score of 714 as of 2021, and anything in the range of 670 to 739 is generally considered to be a good credit score. Most lenders consider an 734 credit score to be … Read more
Review your credit score and scoring factors to find out which accounts you should pay off first. As a general rule, prioritize past-due accounts and high-interest credit card debt over installment loans if you want to improve your credit. If youre focused on improving your credit scores, paying down or off certain debts can be … Read more