Opinion: Confessions of a Bad Credit Editor with an 800+ Credit Score
The next time you visit the homepage of BadCredit.org, you’ll notice more than just this column. Our team churns out a steady stream of... read more »
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Blog
7,936 views
3 min read
The next time you visit the homepage of BadCredit.org, you’ll notice more than just this column. Our team churns out a steady stream of... read more »
Blog
11,124 views
3 min read
Nerves may be fraying over the rapid rise of the power and influence of artificial intelligence (AI) programs in many industries. Will they help... read more »
Blog
12,336 views
3 min read
What makes an excellent subprime lending customer? Often, it’s not the consumer’s record of previous credit use because there isn’t one. If there... read more »
Blog
17,250 views
5 min read
Technology has now gotten us to the point where machines can perform some of our cognitive work. That’s a good thing for busy... read more »
Blog
20,664 views
1 min read
We’ve likely all seen the reports by now. Credit card balances remain sky-high with a reported $1.17 trillion in the third quarter of 2024. For... read more »
Guide
37,530 views
9 min read
Your credit utilization ratio is an important consideration to lenders, so it is a major factor in your credit scores. Over the years, I have had... read more »
Guide
34,060 views
9 min read
Have any of you ever tried figuring credit scores out? Well, sit tight as I get ready to wade into the world of VantageScore — the credit score... read more »
Guide
38,794 views
11 min read
If you’ve ever gone on a shopping spree, you know how easy it can be to spend more than you planned. Sometimes, I can’t resist going over my... read more »
Guide
28,200 views
11 min read
If you’re like me, being judged fairly and objectively is important to you. That includes how a potential lender might assess an application for... read more »
Blog
21,336 views
5 min read
H&R Block is one of the most trusted names in the tax industry. Decades of experience have led it to recognize that the future for... read more »
Guide
34,365 views
11 min read
Subprime refers to a range of credit scores from fair to poor — and even very poor. You don’t just accidentally achieve deep subprime credit... read more »
Study
28,248 views
3 min read
Mental health advocacy and prioritization have taken a front seat in American culture. Bubble baths and deep breathing may come to mind as some... read more »
Guide
70,186 views
9 min read
They say you never get a second chance to make a good first impression but trust me, that’s not true for credit. Even if you’ve had some credit... read more »
Guide
40,590 views
9 min read
Home, home on the credit score range, where critters with three digits are busy scurrying around below the cloudless skies. Some aren’t doing so... read more »
Guide
56,196 views
11 min read
I was recently surprised when I learned my credit history wasn’t long enough to get top marks from FICO. I’m well past the spring chicken stage,... read more »
Guide
41,145 views
11 min read
FICO is not the name of a dog. That would be Fido. But FICO can be just as loyal and rewarding — if you treat it right. FICO is a credit scoring... read more »
Guide
44,736 views
13 min read
I can recall it as if it were yesterday — my grandnephew, Finn, striding into the living room, his face beaming. It was the first day of first... read more »
Guide
53,124 views
9 min read
It may seem a bit strange to take your credit history and reduce it to a three-digit number, but that number is your credit score, and it... read more »
Guide
30,684 views
11 min read
Your credit score has a huge impact on your financial life. It is like a report card that tells lenders how well you manage loans and credit... read more »
Study
50,362 views
3 min read
Despite inflation, rocket-high interest rates, stagnant wages, and shocking grocery prices, Americans continue to find ways to manage the high... read more »
Guide
72,143 views
13 min read
When I was a kid, I was always a little anxious when I got my report card. Not that I was a bad student, but the thought of a teacher summing up... read more »
Guide
45,078 views
7 min read
If you’ve ever had your application for a loan or credit card denied, you may have gotten upset and blamed the lender. After all, your... read more »
Guide
92,072 views
11 min read
Picture this: Your application for a loan or credit card is flat-out rejected because the lender looked at your credit report. I know rejections... read more »
Guide
100,000+ views
5 min read
For at least the last 19 years, the company known as FICO, my former employer and the company that invented credit scores, has published reports... read more »
Guide
100,000+ views
5 min read
The world of consumer finance is loaded with data, statistics, trends, acronyms, and averages. It’s truly a numbers-driven industry. As it... read more »