Credit Cards and Reports
How do I read my credit card statement?
Figuring out what to pay on your credit card can be confusing – there are so many different numbers and balances – which ones should you pay attention to?
What's the difference between my credit report and credit score?
There's a lot of misinformation and misunderstandings out there about credit reports versus scores. Hopefully by the time you're done reading this, you'll be clear on the difference and how both work.
How do you get an ideal credit score?
Whenever you apply for credit, whether it's a credit card, car loan, mortgage or even to lease an apartment, the lender will take a look at your credit history as well as a version of your credit score. What many people don't know is that credit scores are not a universal thing – there are several different companies that offer this service, and while the factors they use in giving you a score are often similar, the actual formula they use differs and will yield different scores.
What matters to your credit score and what doesn't
There is a lot of misinformation out there about what elements of your financial life make up your credit score, what effects it and what doesn't. Here's a run-down of the things that do matter as well as common things that people often think matter, but don't.
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