Key Takeaways No two credit scores are the same, even if they belong to the same person. That's because the financial industry uses different scoring models for different purposes.FICO and ...

Credit scores go up and down for a number of reasons. Here's what causes dips and why steady habits usually push it higher in ...

Though paying your bills on time is one of the best ways to build a good credit score, it's not the only important factor. How much you owe compared with your credit limits -- your credit utilization ...

What is considered a good credit score depends on the type of credit score used. You have multiple credit scores, but the ...

Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

Credit utilization is a fancy name for how much of your available credit you've used. It's one criterion used by the three major credit bureaus to calculate your credit score. Why do they care?

Your credit utilization ratio is determined by taking the amount you owe on a credit card and dividing it by your credit limit. Credit utilization is an important factor in your credit score. Most ...

A five-step plan to improve your credit score in 2026 - ‘Credit is like a muscle, you have to use it to have it,’ one expert ...

Getting access to credit can be trickier in retirement, which makes staying on top of your credit score even more important.