What Credit Score Do You Start With? (And Why It Isn’t Zero)
All the major credit scoring models have a minimum credit score of...
Jesslyn Firman
Latest Articles
Jesslyn Firman
No Credit Score: Does It Mean a Zero Credit Score?
Having no credit score isn’t the same as having a zero credit...
Yi-Jane Lee
Does Paying Phone Bills Help Build Credit?
You won’t automatically build credit from paying your phone bills,...
Jesslyn Firman
Credit Score vs. Credit Report: What’s the Difference?
A credit report is a list of information about your credit and loan...
Mark Slack
How Is Your Credit Score Calculated?
Your credit score is calculated based on the information in your...
Jesslyn Firman
Does Checking Your Credit Score Lower It?
No, checking your own credit score won’t lower it. Of the two types...
Yi-Jane Lee
What Credit Score Do You Need to Get a Credit Card?
There’s no minimum credit score you need for a credit card....
Kari Dearie
How to Build Credit (At Any Stage)
You can build your credit by paying your bills on time, getting a...
Samuel Osbourne
What Affects Your Credit Score?
Five key factors affect your credit score, with your payment...
Samuel Osbourne
FICO Score XD and XD2: What They Mean for Your Credit Score
FICO Score XD is a credit-scoring model that uses alternative data...
Mark Slack
What Is UltraFICO and Can It Boost My Credit Score?
UltraFICO is a type of credit score launched by FICO in 2019. It...
Mark Slack
FICO Score 10 and FICO Score 10T: What You Need to Know
In 2020, FICO released the FICO 10 Suite, which consists of FICO...
Mark Slack
