Making the minimum credit payment avoids late fees but may lead to higher utilization, which can affect your credit score. Read more.

Does paying off loans early hurt your credit? It depends on your credit and financial history. Learn key factors to consider before paying off your loan. Read more.

You don’t receive a credit score until you establish credit history. Then, your score will be unique to you. Learn more about starting credit scores here. Read more.

A utility bill is a monthly statement showing the total balance of a household’s use of an essential service, such as electricity, water, or natural gas. Read more.

VantageScore® and FICO® are both credit scoring models but have some key differences. Read on to learn how the two compare and impact your credit score. Read more.

Ways to rebuild credit include: keeping your credit utilization ratio low, using a secured credit card, and becoming an authorized user. Get started right away. Read more.

If you’re applying for a time-sensitive loan, a lender may be able to use a rapid rescore to update your credit report quickly to show recent positive changes. Read more.

Opening a new bank account likely won’t affect your credit. Banks use ChexSystems to screen your banking history, which doesn’t impact your credit score. Read more.