How to Lower Your Credit Score: On Purpose!


Masquerading as Someone with Poor Credit A perfect Credit Score is, perhaps coincidentally, the same number as a perfect score on an SAT (Scholastic Aptitude Test): 800. Less than that for a student reduces their chances of getting into their first choice college and a credit score significantly lower can …

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How Are Credit Scores Calculated?

Shot of a young woman working on a laptop in her kitchen

Many of us have a somewhat clear idea on what our credit scores are, but we are totally in the dark when it comes to understanding how they are calculated. This is mainly due to the fact that many lenders keep their scoring formulas under very tight wraps, however the …

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Manage Your Credit Scores Easily for Free

Credit report with score on a desk

There are four ways to raise your credit score: monitor your files for accuracy, pay down your debt ratio, pay bills on time, and manage different types of credit responsibly. You also want to make sure that your scores aren’tbeing dragged down by incorrect information. There are four ways to …

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How Do I Increase My Credit Score?


An Underwriter’s Advice on Maximizing Your Credit Potential 1) Don’t close all your accounts! Even if you have the means to pay off your debt, any lending institution is looking for your capacity to make timely payments. To show this, you will need to have payments to make! While it’s …

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The Problem with Consumer Credit Scores!


The problem with credit scores! Consumers receive credit scores that don’t match creditor accessed credit scores. That is all there is to it, the credit reporting agencies are just making money enticing consumers to buy products that they are inferior to what the lenders pull. Even if a consumer got …

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