Credit & your rights
Scores, reports, freezes, disputes and the laws behind them.
6 guides
- Credit & your rightsHow credit scores work: what counts and what does notThe five things a FICO score looks at, which ones matter most, and the habits that move your score in the right direction over time.3 min readBeginner
- Credit & your rightsCredit utilization: the share of your limit you actually useWhat utilization is, why the statement date matters more than the due date, and a simple way to keep the number low without spending less.3 min readBeginner
- Credit & your rightsSoft and hard inquiries: which credit checks affect your scoreWhat each kind of credit check is, when you give permission for it, how long it stays on file and how to shop for a loan without paying for it.3 min readBeginner
- Credit & your rightsReading your credit report: what is in it and what to checkHow to get your free reports, the four sections they contain, and a short checklist for spotting errors and warning signs of identity theft.3 min readBeginner
- Credit & your rightsBuilding US credit as a newcomer: the first twelve monthsWhy your credit history from home may not travel with you, and a realistic plan for starting a US file with a bank account, a first card and steady habits.3 min readBeginner
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