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Credit

How to Make Sense of Credit Utilization and Debt-to-Income Ratios

EPF November 17, 2015

Credit utilization rates and debt-to-income ratios are two very important factors in a consumer's ability to qualify for new credit. If you want a strong FICO score and great borrowing rates, it's

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Credit

Read These Five Facts to Understand Your FICO Score!

EPF November 17, 2015

FICO scores can be confusing -- after all, there are over 50 that exist and new scores keep coming out. But, your FICO score is also the main data point

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Credit

What Are FICO Scores and How Do They Work? Here’s What You Must Know!

EPF November 15, 2015

FICO scores are used by approximately 90% of lenders when determining the credit-worthiness of their applicants. It is by far the most respected type of credit score around; many advise against

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Credit

How to Get Your FICO Score for Free

EPF November 14, 2015

The official website for buying your FICO score, myFICO.com, charges $19.95 per credit score request -- yes, that's the cost for each score PER credit bureau. Yet, you can still

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Credit

Which Credit Report Should I Get? What Scores Do Lenders Use?

EPF November 12, 2015

When it comes time to see what’s on your credit report, or to find out your credit score, it’s important to know which bureau you need to pull from.  Even

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Credit

How to Read Your Credit Report

EPF November 10, 2015

When reading your credit report, you may come across terms that are strange or unfamiliar. But, in a broad sense, we want you to think of your credit report as

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Credit

How Long Do Negative Items Stay on My Credit Report?

EPF November 10, 2015

So you missed a payment, or maybe you have an account in collections, but that does not mean your mistake will haunt you forever. The credit report bureaus that calculate

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Credit

6 Tricks to Significantly Increase Your Credit Score with Credit Cards Only !

EPF November 9, 2015

Using your credit card is often deemed a credit-killing move, but the truth is that you can use them for your advantage. This is because not only bad borrowing behavior,

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Credit

What Credit Score is Needed to Buy a House 2019 ?

EPF November 6, 2015

To finance a home, you must have a reasonable credit score -- but, there are many other dynamics that factor into whether you get approved. Other credit factors, like your

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Credit

What is a Credit Freeze?

EPF November 6, 2015

A credit freeze is a complete lock-down of your credit report. It involves restricting the major credit bureaus from selling or sharing your data to creditors. By doing so, the only new

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