Credit Score
How credit scores work, what moves them, and how to read your credit report.
How Your Credit Score Is CalculatedLearn how your credit score is calculated: the five FICO factors and their weights, what is left out of the score, and how to check the credit reports behind it.Updated 
Credit Utilization: What It Is and How to Lower ItCredit utilization is the share of your available credit card limits you are using. See how to calculate your ratio, why it matters for your score, and how to lower it.Updated 
What Is a Good Credit Score? FICO Ranges and How Lenders Use ThemWhat is a good credit score? See the five FICO Score ranges, how lenders use them, and why the score you see can differ by model and by credit bureau.Updated 
Hard vs Soft Inquiry: How Credit Checks Affect Your ScoreHard vs soft inquiry explained: which credit checks can lower a FICO Score, how long inquiries stay on your report, and how rate-shopping windows work.Updated 
How to Dispute a Credit Report Error: A Step-by-Step GuideHow to dispute a credit report error with the credit bureau and the business that reported it: what to send, the investigation deadlines and what happens next.Updated 
Marriage and Credit Scores: What Changes and What Doesn'tMarriage and credit scores: why there is no joint score, when a spouse's credit affects yours, how lenders weigh two scores, your ECOA rights, name changes and divorce.Updated 
8 Credit Score Myths and What's Actually TrueEight common credit score myths checked against FICO and the CFPB: checking your own score, income, carrying a balance, closing cards, debit cards and collections.Updated