10 Surprising Credit Score Statistics
Whether you have your heart set on a new rewards credit card, a mortgage loan, or some other type of financing,... read more »
By: John Ulzheimer • 1/20/21
John Ulzheimer is an expert on credit reporting, credit scoring, and identity theft. The author of four books on the subject, Ulzheimer has been featured thousands of times in media outlets including the Wall Street Journal, NBC Nightly News, New York Times, CNBC, and countless others. With over 29 years of credit-related professional experience, including with both Equifax and FICO, Ulzheimer is the only recognized credit expert who actually comes from the credit industry. He has been an expert witness in over 450 credit-related lawsuits and has been qualified to testify in both federal and state courts on the topic of consumer credit. In his hometown of Atlanta, Ulzheimer is a frequent guest lecturer at the University of Georgia and Emory University's School of Law.
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15 min read
Whether you have your heart set on a new rewards credit card, a mortgage loan, or some other type of financing,... read more »
By: John Ulzheimer • 1/20/21
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11,076 views
17 min read
As influential as credit scores have become over your finances and your access to credit, it may seem like those... read more »
By: John Ulzheimer • 12/21/20
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Your credit reports and credit scores are immensely important because they control your access to, and the pricing... read more »
By: John Ulzheimer • 11/25/20
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You will likely need to take out a loan at some point in your life, whether it’s to buy a home, finance a college... read more »
By: John Ulzheimer • 10/20/20
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38,178 views
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Your credit reports and credit scores have considerable influence over your financial life — whether you think... read more »
By: John Ulzheimer • 9/9/20
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62,256 views
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Your credit scores will play an important role throughout your adult life. Most, if not all, lending-based... read more »
By: John Ulzheimer • 8/3/20
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9 min read
When you apply for and borrow money from a credit card issuer or lender, you make a contractual promise to make... read more »
By: John Ulzheimer • 7/6/20
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7 min read
When you apply for a loan or credit card, it’s practically a given that a lender will check one of your credit... read more »
By: John Ulzheimer • 6/11/20
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It can be tough to earn great credit scores when there are negative items on your credit reports. One such item is... read more »
By: John Ulzheimer • 6/23/20
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62,153 views
7 min read
When you apply for a new loan or credit card, a lender will check your credit score as part of the application... read more »
By: John Ulzheimer • 4/1/20
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It’s no secret that having good credit pays off, especially when you apply for financing like a credit card or... read more »
By: John Ulzheimer • 2/24/20
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Earning solid credit reports and credit scores is a smart move for your long-term financial health. Good credit can... read more »
By: John Ulzheimer • 1/27/20
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100,000+ views
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When you apply for a credit card, a loan, or any other form of credit, the lender will check your credit reports as... read more »
By: John Ulzheimer • 12/19/19
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100,000+ views
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Whether you’re buying a house, a car, or applying for some other type of loan, your credit score will most... read more »
By: John Ulzheimer • 6/11/20
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100,000+ views
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You’ve probably been told that filing for bankruptcy isn’t the worst option, but it should probably be your last... read more »
By: John Ulzheimer • 10/29/19
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Lenders offer a variety of account types that can end up on your credit reports if your application is successful.... read more »
By: John Ulzheimer • 9/27/19
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Dealing with unexpected expenses, like car repairs or medical emergencies, is never fun. For at least 40% of... read more »
By: John Ulzheimer • 5/31/19
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Credit cards aren’t just convenient payment methods. They’re also great tools you can use to establish or rebuild... read more »
By: John Ulzheimer • 5/10/19
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In a lot of ways, credit scoring has worked largely the same way since the first FICO credit score was made... read more »
By: John Ulzheimer • 4/25/19
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100,000+ views
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Whether you’re applying for a mortgage, trying to open a new credit card, or financing a new vehicle, your credit... read more »
By: John Ulzheimer • 2/27/19
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When you borrow money and agree to pay it back according to the creditor’s terms, it’s in your best interest to... read more »
By: John Ulzheimer • 2/1/19
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100,000+ views
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A well-managed credit card account can be an effective tool to help you build or even rebuild your credit. In fact,... read more »
By: John Ulzheimer • 1/29/20
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100,000+ views
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Trying to be the best at something is the American way. Students work hard to earn 4.0 GPAs in college or straight... read more »
By: John Ulzheimer • 12/19/18
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100,000+ views
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Just like keeping a close eye on your weight is a good idea if you want to maintain good health, monitoring your... read more »
By: John Ulzheimer • 10/26/18