Featured Resources

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Man smiling at phone while walking through university campus with books.

Debt And Credit - 4-Minute Read

Breyden Kellam - Dec 21, 2023

How Long Do Late Payments Stay On Your Credit Report?

After missing a bill’s due date, you might wonder how long a late payment stays on your credit report. Learn the answer to that and more in this article.
Couple meeting with a financial advisor, holding papers.

Debt And Credit - 7-Minute Read

Joel Reese - Dec 19, 2023

Credit Inquiry: What Is It and How Does It Work?

A credit inquiry is when a report of your credit history is requested. Learn more about credit inquiries and how they affect your borrowing potential.
Close up hands of businessman typing on laptop keyboard to working and searching business data

Debt And Credit - 6-Minute Read

Dan Miller - Dec 10, 2023

Hard Vs. Soft Credit Inquiries: What’s The Difference?

What’s the difference between a soft inquiry and hard inquiry when having your credit checked? Let’s explore what to know before you apply for your next loan.

Woman holding credit card smiling while out shopping.

Debt And Credit - 3-Minute Read

Angelica Victor - Nov 28, 2023

When Were Credit Scores Invented? A History

The modern credit score was introduced by FICO® in 1989. Learn everything there is to know about the centuries-long and complex history of credit scores.
Woman using credit card online.

Debt And Credit - 5-Minute Read

Sarah Li Cain - Nov 28, 2023

What’s The Difference Between VantageScore® And FICO®?

FICO® and VantageScore® both rate your creditworthiness but there are some differences in what they look at. Learn more about the different models in our guide.

Young woman sitting outside at a wooden table and bench using her credit card through a laptop.

Debt And Credit - 8-Minute Read

Oct 24, 2023

What Is The Highest Credit Score Possible?

How can having the highest credit score possible help you? Read on to see what perks come with an excellent rating and learn how to improve your credit score.
Young man checking credit on smartphone holding credit card and smiling on couch at home.

Debt And Credit - 3-Minute Read

Sarah Li Cain - Oct 24, 2023

Credit Ratings And Why They Matter

A credit rating is used to describe the creditworthiness of a business, government, or other entity. Here’s why it matters to your business.
Line of people sitting down in chairs in a waiting room for interviews.

Debt And Credit - 4-Minute Read

Dan Miller - Oct 20, 2023

What Is A Credit Check For Employment?

If you’re job hunting, it’s best to be familiar with credit checks for employment. Learn about employee credit checks and why employers check credit reports.
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Debt And Credit - 7-Minute Read

Sarah Lozanova - Sep 20, 2023

What Are The 3 Credit Bureaus? Everything You Need To Know

Equifax®, Experian™ and TransUnion® are the three main credit bureaus. Learn how they differ and how to check your credit report from each bureau.

Woman checking her credit on her tablet, relaxing on her couch and smiling.

Debt And Credit - 6-Minute Read

Morgan Chaperon - Sep 20, 2023

What Is A Credit Score? How To Understand And Check Your Score

A credit score indicates to lenders how likely you are to repay a debt. Learn about credit score ranges, the factors that affect your credit score and more.

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Debt And Credit - 8-Minute Read

Anna Wolski - Aug 30, 2023

How To Get Your Credit Score For Free: A Guide

Knowing your credit score can help you understand and protect your financial health. Learn how to get your free credit score from the major credit bureaus.
Blonde woman wearing glasses using her phone in the kitchen in front of a laptop.

Debt And Credit - 4-Minute Read

Sarah Li Cain - Aug 9, 2023

Understanding When Credit Scores Update

Your credit score usually updates about once a month. Read our article to discover the importance of routinely checking your credit score.

Women viewing report together.

Debt And Credit - 5-Minute Read

Carla Ayers - Jul 20, 2023

Understanding The Fair Credit Reporting Act (FCRA): A Guide

Concerned about your credit information and who can access it? See how the Fair Credit Reporting Act provides protection that can put consumers’ minds at ease.
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Debt And Credit - 10-Minute Read

Victoria Araj - Apr 9, 2023

Things That Can Lower Your Credit Score And How To Avoid Them

Wondering what factors damage your credit score? Read our guide to learn what factors lower your credit score, how to avoid them, and how to build your credit score.

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Debt And Credit - 5-Minute Read

Sean Bryant - Apr 9, 2023

How Do I Get My Credit Score For Free?

Your credit score tells a lot about you. It gives lenders a sneak peek at what type of borrower you might be. Find out how to get your credit score for free.

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Debt And Credit - 6-Minute Read

Dan Miller - Jul 11, 2023

How To Dispute Errors On Your Credit Report

If you believe you’ve found an inaccuracy on your credit report, you can file a dispute with the credit bureaus. Learn how to dispute a credit report error.

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Debt And Credit - 5-Minute Read

Andrew Dehan - Apr 9, 2023

Do I Have A Credit Score?

Not all adults have a credit file. Whether you’re young, in the military or new to the country, here’s how to know if you have a credit score.

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Debt And Credit - 5-Minute Read

Dan Rafter - Apr 9, 2023

How Many Times Can I Check My Credit?

Wondering how to check your credit without hurting your score? Learn how often you should check your credit score with our latest guide from Rocket HQ.