October 19, 2017

Knowing your FICO® Credit Score Lets You Reach Higher

You make important financial decisions every day, and many of those decisions are linked to your credit score. At Merrick […]

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December 13, 2016

If I Close a Credit Account, Will It Help or Hurt My Credit Score?

As with many other questions related to credit, the question above doesn’t have a “yes” or “no” answer. Intuition might […]

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November 16, 2016

What’s In Your Credit Mix?

Having a variety of account types can boost your credit score Potential lenders want to know how responsibly a consumer […]

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August 24, 2016

Joint Account? Authorized User? Which is Best for Credit Sharing?

There are two ways to share a credit card: via a joint account (owner) or as an authorized user. Both […]

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Medical Word Cloud

February 23, 2016

How Medical Debt Affects Your Credit Score

Medical debt is rampant in the United States; it’s one of the top reasons Americans file for bankruptcy.1 While consumer […]

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August 18, 2015

Avoid Saying “I Do” to Someone Else’s Debt

How to protect your good credit if you’re marrying someone with bad credit Whenever you hear the old saying “love […]

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February 17, 2015

How Credit Card Utilization Affects Your Credit Score

It’s a well-known fact that paying your credit card bill on-time is one way to achieve a higher credit score. […]

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January 21, 2015

Understanding How Credit Scoring Models Work

Credit scoring is a system used by lenders to help determine a consumer’s creditworthiness, the terms they will be offered […]

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October 14, 2014

Beware of Auto Loans That Can Break Your Budget

High finance charges and long payment terms can make a car loan seem more like a mortgage You need transportation […]

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September 30, 2014

Keep Up with Credit Payments to Avoid Debt Collections

The Urban Institute recently released a study that reveals 77 million American consumers — about 35 percent — currently have […]

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