Latest posts (2016-2017)

Approach balance transfer with caution

Authorized user, primary cardholder: there’s a difference

Bad credit could be long-lasting reminder of visit to US

Before deciding to close or leave a card open, do the math

Beware of mixed credit files when SSN & DOB are not used

Can credit denial hurt your score?

Collection missing from credit report. Too good to be true?

Credit score is more crystal ball than report card

Credit scoring quirks that make you wonder

Credit utilization ratio: timing is everything

Debt buyer/collection agency doing right by consumers

Debt settlement carries a hefty price tag

Develop a debt elimination plan that will work for you

Didn’t authorize disputed charge put on card? Are you sure?

Discarding authorized user card could hurt more than help

Do 100-word statements matter?

Does mortgage preapproval affect credit score?

Don’t close cards. But what if you have no choice?

Don’t expect a creditor to forgive or forget a debt gone bad

Expired card may not mean account is truly ‘closed’

Freezing your kid’s credit might not be as easy as you think

Good news for New Yorkers with paid collections

High Canadian score won’t carry any weight in the U.S.

High score dropped to still-high score after balance transfer

How bureaus decide which address is ‘current’ vs. ‘previous’?

How much score damage to expect from added inquiry?

How to raise a high score? Don’t look to reason codes

Instantly increase your credit age by 15 years

Know which debts do & don’t appear on a credit report

Late child support payments may not hurt your score

Left country for 6 months & forgot about card payments

Let excessive inquiries fade into the distance

Look to score factors for culprit in 100-point loss

Lower utilization, higher score, thanks to paying early

Make your credit score excellent again!

Maxing-out credit limit for balance transfer can hurt score

Moving card debt to personal loan or new 0% cards

Need a quick 10 points to close on new house

New card numbers make for not-so-autopay

Overcharged! What if I refuse to pay?

Paid off student loan, score dropped 40+ points

Pay off card or loan? Raise score or save on interest?

Prescreened offers don’t hurt scores, except when they do

Raise score by paying all but 1 or 2 cards before closing date

Removing name from card can be easier than you think

Right or wrong, leaving debt unpaid makes matters worse

Should you care about a bad address on your credit report?

Small delinquent balance may (or may not) affect your score

Unused card’s 0% utilization could be your best card benefit

When the thrill of being on GF’s cards is gone

When to be concerned over credit report & score differences

When widowed, having established your own credit helps

Why such variations from one credit score to the next?

With late payments, what you’ve done lately matters most