Tag: credit score

Hard inquiries usually happen when you apply for credit and can affect a score; soft inquiries generally do not. Learn how rate shopping, account reviews, and prescreening differ.

You have the right to dispute inaccurate or incomplete credit-report information. Learn what to document, who to contact, what timelines apply, and what not to dispute.

Learn how to review identity information, accounts, balances, payment history, inquiries, and possible errors on a credit report—and what to do if something is wrong.

Credit utilization compares revolving credit balances with credit limits. Learn how the ratio is calculated, why it can affect scores, and why there is no magic percentage.

Credit reports contain account history and other credit information; credit scores are models built from report data. Learn what affects them and how to review your records.