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Does Credit Limit Increase Needs a Hard Pull (2015.6 Updated)
Credit Limit Increase (CLI) can make normal spending more smoothly, and by indirectly decreasing the utilization, you might improve your credit score because of this. Some banks, however, pull the...
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How To Improve Credit Score
Credit Report and Credit Score (mostly by FICO) are key factors in approval of credit cards. For credit cards owners, it is very important to know about their Credit Reports and FICO Credit Scores. We...
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What Should I Do If My Credit Score Drops? (2015.6 Updated)
It can be seen very often in various situations that many people wonder why their credit scores drop a lot in a certain month and what to do. It’s very common and everyone just doesn’t want to confront...
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Credit Score And Credit Report Frequently Asked Questions (FAQ)
1. I have a SSN for one year. Does that mean one-year credit history? No. The length of your credit history depends on your payment and statement, and it is unrelated with your SSN. In other words,...
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How Do Charge Cards Affect Utilization and Credit Score?
Will the Charge Card be calculated into Balance? How does Charge Card calculate the credit limit? Will Charge Card affect the Credit Score？ This is a very very common issue, but different people hold...
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Credit Score Influence of High Utilization on One Single Card and Statement...
Recently I conduct a small test about credit scores focusing on the two following points: It is often said that credit scores will be reduced if your many credit cards all have statement balance. Is it...
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How To Get Free Credit Reports And Scores (2016.6 Updated: Table View)
Your credit report and credit score are the determinant factors in getting approved for a credit card, therefore it’s quite necessary for cardholders to pay close attention to these items. How can you...
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Free Experian FICO score: Credit Scorecard by Discover
Recently Discover announced a tool to check your Experian FICO for free: CreditScorecard.com. This is an important product, because compared to other credit score tools, it has the following...
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Experian’s official app gives you free credit reports and alerts!
The Experian (EX) official app now gives you free credit reports and alerts! When you change your address, get a new hard pull, get a new account, etc., it will notify you immediately! The only...
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