You Are More Than a Credit Score

You don't need to borrow money and pay interest in order to have a good credit score. You can have an excellent credit score for free. Here's how.

How Lenders Use Your Hidden Credit Score

After years of suffering, consumer credit is gaining giant momentum, and eager lenders aren't relying solely on your traditional credit score. They need more than that.

5 Ways Every Credit Customer is Judged

We all know that red flags like late payments or have too many lines of credit can bring down your credit score. But there are other ways banks and lenders measure all of us that you probably don't know about. Adrian Nazari, CEO of, explains.

Student Loan Crisis Deepens as Debts and Defaults Skyrocket

The student loan crisis may be even worse than it previously appeared: Not only are college students graduating with more debt than ever, but their risk of defaulting on their loans is higher than ever, a new study by FICO Labs reveals.

The Hidden Credit Scores That Could Sink Your Finances

It's not hard to get copies of your credit report: You can even get them free from the major credit-reporting agencies. But each one of us has more than one credit score, and the one you're given may be very different from the ones lenders and other businesses actually use.

Dealing With Your Credit Report Just Got a Lot Easier

It has never been more important to have good credit, but it's no easy task to go against the ratings agencies when your credit report is wrong. Now though, you have an ally in your corner: The Consumer Financial Protection Bureau.

Consumer Bureau to Supervise Credit Reporting Agencies

Credit reporting agencies will soon be subject to federal oversight for the first time. The Consumer Financial Protection Bureau announced Monday that it will begin supervising the nation's biggest consumer reporting agencies this fall.

What Blue States Can Teach Red States About Credit

It's not just politics that defines the differences between Republican-leaning "red states" and Democrat-leaning "blue states" -- and some of those differences may surprise you. For example, when it comes to credit scores, blue states are where the smart money is.

Transfer Your Credit Card Balance Right Now

Cheap credit is making a comeback, at least for some people: Credit card companies' fierce competition for new, low-risk customers has them ramping up their 0% interest rate offers again, and offering those teaser rates for longer. So if you have the FICO score to qualify, it's time to take advantage.

Midwest Cities Top U.S. Credit Score Rankings

There must be something in the cheese: Four of the top 10 American cities for credit scores are in Wisconsin, and four more are in nearby Midwest states, according to a new analysis by Experian. But all is not sunny in the South, where the cities with the worst scores are concentrated.