FICO® weighs open accounts more than closed ones, so paying off loans may hurt your credit. However, it will depend on your unique financial situation. 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.

To get a better idea of how Afterpay impacts your credit history, this article shows you how Afterpay works and how it can affect your finances. Read more.