First Community Bank gives Utah residents the tools to build or repair credit through secured cards, credit builder loans, ...

Securing a mortgage loan can be a challenging process, but understanding the key factors that lenders look for and taking ...

People may think that paying bills on time ensures a high credit score. That’s a myth, experts say: payment history isn’t the ...

Debts in collections typically stay on your credit report for seven years and can harm your score for as long as they appear.

Experian offers some potential solutions if you can't make your required student loan payments, which could include looking ...

There are some credit card users who limit themselves to a single card, while other people might have 10 or 12 credit cards ...

A good credit score is crucial for loans and financial goals. Responsible credit card use, timely payments, and maintaining a ...

including credit cards, installment loans and mortgages. If you need to raise your score quickly, Groberg suggests focusing on the two biggest factors, payment history and credit utilization.

Paying off debt is another great way to raise your score. A financial expert told USA Today that Americans should only use 70% of the credit available to avoid indicating that they are overspending.

You can view your own often through your bank or credit union, and online at myfico.com. If you’re trying to raise your score, the best thing you can do is pay off debt, Lusardi said.

Credit scores don’t matter unless you’re trying to get a loan, rent an apartment, secure insurance, buy a home, avoid paying a deposit to utility companies, or even land some jobs. OK.