by Rick Rose | Apr 29, 2025 | Credit Education
Understand Your Credit Score What Makes Up a Credit Score? Okay, so first things first: knowing what actually goes into your credit score is crucial. Your score is typically made up of five main parts: payment history, amounts owed, length of credit history, new...
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...
by Rick Rose | Apr 25, 2025 | Credit Education
Understand Your Credit Report Check Your Credit Report Regularly First off, let’s talk about the importance of knowing what’s on your credit report. I remember when I first started really looking at mine, and man, it was eye-opening! You can get a free...
by Rick Rose | Apr 15, 2025 | Credit Education
Understanding your credit report can be a bit overwhelming, especially when you find errors that could affect your credit score. I’ve been there, and let me tell you, disputing these errors doesn’t have to be a legal nightmare. In this guide, I’ll walk you through the...
