Discover how credit scores and credit reports differ, why each is important, and how they impact your financial life.

Average credit scores dropped in all 50 U.S. states between 2024 and 2025, pointing to growing financial strain for many ...

When you’re applying for a loan, credit card or lease, knowing the difference between your credit score and credit report can give you some insight into how your lender or landlord views you from a ...

For more than a decade, Americans watched their credit scores climb steadily upward, a reassuring sign of improving financial health following the Great Recession. However, it appears the streak has ...

The average U.S. credit score slipped nationwide, largely due to the resumption of federal student loan delinquency reporting on U.S. consumers’ credit reports, according to FICO. The scoring agency ...

The growing debt load carried by U.S. consumers is ringing alarm bells from Main Street to Wall Street. Data released this week by WalletHub paints a sobering picture of American credit health, with ...

FICO’s inaugural Credit Insights report shows U.S. credit scores dipping as inflation and student loan payments weigh on consumers. Gen Z faces the steepest declines, with student loan debt driving ...

Gen Z is facing a double hit: falling credit scores and a growing debate over their place in the job market. A new report ...

Drivers with good credit pay about 43% less for car insurance compared to people with poor credit. Stronger credit can help you qualify for lower security deposits and better rental terms. Premium ...

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

Discover how pre-approved credit offers affect your credit score, including the difference between soft and hard inquiries ...

In July 2025, the Federal Housing Finance Agency (FHFA) adopted the use of VantageScore 4.0 in addition to Classic FICO. 1 This study analyzes the impact of introducing a dual credit score ...