For those just getting started

Speed up your credit journey
with the right knowledge

  • Beginner’s Guide
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    #1 The Beginner’s Guide to Credit Scores

    Your credit score is a matrix of factors such as the amount of credit you have access to, the amount that you currently owe lenders, and how long you have had an account open. This all boils down to a number, which provides lenders with an easy-to-understand summary of your credit history.

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  • Types Of Credit
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    #2 What Are The Different Types Of Credit?

    Most people starting their credit repair journey are surprised to learn there are actually different types of credit. While credit is typically used to refer to an individual’s total creditworthiness in a general sense, there are also three types of credit accounts that are factored into your total credit score: revolving, installment, and open.

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  • Building Credit
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    #3 How Do You Build Credit?

    The best rates and lowest costs are offered to consumers with the least risk of repayment – or the highest credit scores – and with a solid history of responsible credit usage. Building credit early and intentionally is the best preparation for having a strong credit score when it matters most!

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  • What Information Is Included
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    #4 Information On Your Credit Report

    . There are four categories of information in a credit report: personal identification information, credit accounts, inquiries, and public records information. We'll walk you through each one and show you how they affect your credit report.

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  • Build Up Score
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    #5 The Best Ways To Build My Credit

    Studying online means that you pay the tuition fee, possibly book supplies, an online application fee, and few other items. You don’t, however, incur the costs of housing (which can range up to $12,000 per year) and transportation, which translates to lower debts and more savings.

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  • Payment History
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    #6 How Payment History Impacts Your Score

    Payment history is exactly that, a history of all of your credit accounts' payment information. This record includes how many times payments have been past due, minimum monthly payment, current amount owed, and original amount or credit limit.

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  • Credit Utilization
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    #7 What Is A Credit Utilization Rate?

    An important note here is that credit utilization only applies to revolving (aka credit card) accounts. The percentage is looked at as how much credit you have access to and is a substantial factor in your credit score.

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  • Fico Score?
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    #8 What Is A FICO Score?

    The Fair Isaac Corporation, FICO, developed a systematic way to assign a numeric evaluation to determine the consumer’s creditworthiness and the risk level in extending them an offer of credit. This scoring system accounts for the information found in your credit report, and based on their level of importance, are weighted and used to calculate a number from 300-850.

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  • Good Credit Score?
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    #9 What Is considered A Good Credit Score

    Knowing your credit score and what that score means to prospective lenders is an essential part of your financial literacy. Credit scores and credit reporting are a way for lenders to make informed decisions on whether they will accept you as a customer and how much of a risk to repay they believe you pose.

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  • Credit Consequences
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    #10 What Are The Consequences Of Bad Credit

    Knowing your credit score and what that score means to prospective lenders is an essential part of your financial literacy. Credit scores and credit reporting are a way for lenders to make informed decisions on whether they will accept you as a customer and how much of a risk to repay they believe you pose.

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