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Category: Personal Credit

How to Remove Hard Inquiries from Credit Reports

February 26, 2020 Michelle Black

Your credit reports are filled with data about your credit obligations and how you manage them. What you might not realize is that your reports contain other important details as well, like records of when others access your credit information. These records are known in the credit world as inquiries and here's how to remove hard inquiries from credit reports. Some inquiries, called hard inquiries, have the potential to trigger a drop in your credit score. Read on for a… Read More

138+ Places You Can Get Your Credit Scores for Free

December 13, 2019 Gerri Detweiler

If you have never tried to check your credit scores, you can’t use the excuse that you don’t want to pay to see them. There are more than 130 websites, banks, and credit unions where you can get your credit score for free. Some offer them to the general public, while others show them only to customers. With that many options, there’s no reason not to know where your credit stands. Before You Check Your Credit Scores… Keep in mind… Read More

Why are My Credit Scores Different?

December 4, 2019 Caton Hanson

We get the “why are my credit scores different” question a lot. And for good reason: it can be confusing. You check with Nav and see your scores, but then your lender says your score is different. You get your FICO credit score...and it’s different too. It usually goes a little like this: “I see my credit scores with Nav and my highest is a 734. But, I applied for a loan and the lender said my score was a… Read More

Which Business Credit Scores Matter the Most?

September 18, 2019 Connor Wilson

Not all credit scores are created equally. You likely already know that you have a personal credit score; it's what you need to buy a car, get a mortgage, credit card, or even pass a background check. You probably also already know that there are three bureaus (Experian, Equifax, TransUnion) that report your credit scores. What you may not have known is that your small business has a business credit score. Just like your ability to pay your credit card… Read More

Couple Goals: This Pair Has Been Under Budget for a Decade

January 2, 2019 Gerri Detweiler

For Kimberly and Brad Earnest, getting out of debt—and staying out of debt—has meant freedom. Freedom to travel in the US and internationally, to pursue work they enjoy (and to cut back), to help others, and to know that even if their jobs were to disappear, they’d be fine. For Brad, though, things looked very different in 2004, when he found himself newly divorced with two young children to raise on his own. He realized he hadn’t done a very… Read More

How to Establish Personal Credit Through Your Business

October 29, 2018 Connor Wilson

If you own a small business, here's a bit of news for you: you have a business credit score. That's right, you're not only responsible for your personal credit score, but you also have a separate score that lenders, vendors and even business partners use to determine the creditworthiness of your business. This can potentially add to the already stressful life of a business owner, especially if you're already concerned about bad or otherwise limited personal credit. There is good… Read More