Only 1.54% of Americans have a perfect 850 credit score. Learn the main habits they share, and how using them can boost your ...

Your credit score, which commonly refers to your FICO score, is calculated based on five factors: payment history, amount owed, length of credit history, new credit, and credit mix. FICO is not ...

A debt-relief consultation is the first step to seeking help from a debt-relief company. Here's how to prepare.

There are a few different credit scoring models, but one of the most popular is the FICO® Score. This credit score falls into the following categories: Very poor: 300 to 579 Fair: 580 to 669 Good ...

During that time, our credit card debt ballooned. Today, I’m fortunate enough to have maintained an 800-plus credit score for the better part of a decade.

"For most people, a perfect credit score probably won't be worth it," said Bankrate, as "having very good or excellent credit will be enough for most lenders to give you good rates and other perks ...