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Credit Scores At Every Age: How Do You Measure Up?

Based on Experian’s latest data for Q2 2023, the average American credit score is a solid 716—and, when broken down by generation, scores stay in that ballpark. What’s the bottom line? The majority of Americans are pretty good at managing their credit. How do you compare to your peers? Let's…

Jessie Quinn , Student Account Manager

Credit Education , Credit Report , Credit Score - 5 mins read

What’s The Difference Between Credit Scores and Credit Reports?

Credit scores and credit reports are essential in qualifying for everything from credit cards to apartment rentals and auto lending. However, you may be shocked to find out that there's a difference between a credit score and a credit report. It all may sound very similar, but the truth is…

Stephany Lamas , Student Account Manager

Credit Education , Credit Score - 7 mins read

What Does it Mean if You’re Credit Unscorable?

About 45 million American consumers – maybe even you – are classified as credit unscorable. In other words, you have a limited or thin credit file, which means you have no credit score and credit agencies aren’t able to determine your credit risk. What does that mean? Quite simply, you’re…

RentReporters , Student Account Manager

Credit Score - 8 mins read

10 Credit Score Myths You Can’t Afford to Believe

You probably have a general idea of how to get a good credit score – like by paying your bills on time, avoiding excessive debt, and not applying for too many credit cards. But there are a lot of credit myths out there that can prevent you from maximizing your…

RentReporters , Student Account Manager

Credit Education , Credit Score - 18 mins read

7 Unusual Ways To Build Credit Without Your Own Credit Card

Yes, it's true, you CAN build your credit score without your own credit card. If you already have a car loan or your cell phone line, you'll have to get creative if you want to build your score without using your own credit card. Luckily, we have some ideas for…

RentReporters , Student Account Manager

Credit Education , Credit Report , Credit Score - 5 mins read

Checking Your Credit Reports

One of the most important things you can do to protect your credit – especially now – is to check your report regularly. Equifax, Experian and TransUnion are making every consumer’s personal credit report available for FREE on a weekly basis through April 2021. To get a free copy of…

RentReporters , Student Account Manager

Credit Report , Credit Score - 7 mins read

FICO vs. VantageScore: Scoring Models – How They Differ

Did you know that there is more than one scoring model to calculate your credit score? The two main scoring models to calculate your credit score are FICO and VantageScore and lenders may look at one, or both of them when making decisions to issue a credit or approve you…

RentReporters , Student Account Manager

Credit Education , Credit Score - 7 mins read

Credit Score 101

Your credit score determines if you can be approved for a loan, can get a good deal on a cell phone plan, can have utilities in your name, and can be approved for a credit card. But, what if you’re like one of the 45 million Americans who have a…

RentReporters , Student Account Manager

Credit Education , Credit Score - 7 mins read

Understanding Your Credit Score

Your credit score is a number between 300-850 that gives lenders an idea of your ability to repay loans in a timely manner. The higher your score, the better chance you’ll have of securing a loan with a lower interest rate, which means you’ll pay less money in interest over…

RentReporters , Student Account Manager

Credit Education , Credit Score - 8 mins read

Fair, Good, or Excellent? What Each Credit Rating Gets You

We talk a lot about the importance of a good credit score and steps you can take if you want to raise your score. But do you know why? A credit score that falls in the good or excellent range will get you better terms and lower interest rates than…