by Rick Rose | Apr 27, 2025 | Credit Education
Know Your Credit Score Understanding What Your Score Means First things first: knowing your credit score is essential. I remember my first encounter with my score—it was a real eye-opener! It’s like a report card for adults, but instead of judging your homework, it’s...
by Rick Rose | Apr 27, 2025 | Credit Education
Understanding Your Credit Score What is a Credit Score? Let me take you back a bit. I remember when I first learned about credit scores, thinking it was just some random number. But nope! Your credit score is a three-digit number typically ranging from 300 to 850, and...
by Rick Rose | Apr 26, 2025 | Credit Education
Pay Your Bills on Time Understanding the Importance of Timely Payments First off, let me tell you – paying your bills on time is like putting sunshine in your credit score’s day. Seriously! Payment history makes up a big chunk of your credit score. When you...
by Rick Rose | Apr 26, 2025 | Credit Education
Understanding Your Credit Score What Is a Credit Score? First off, let’s talk about what a credit score even is. In simple terms, it’s a three-digit number that gives lenders an idea of how trustworthy you are when it comes to borrowing money. You might think of...
by Rick Rose | Apr 25, 2025 | Credit Education
Increased Credit Utilization Understanding Credit Utilization Okay, let’s talk credit utilization. This term simply means how much credit you’re using versus how much you have available. The rule of thumb is to keep that utilization under 30%. When mine shot above...
