The second biggest factor in your FICO score is the amount of debt you owe, but your credit utilization ratio matters more ...

Scoring models consider your credit utilization ratio, that is, how much credit you use compared to your available total. To have a good credit score, experts recommend keeping your utilization at or ...

Let's look at your credit utilization ratio and how you can maintain a low ratio to improve your credit score. Related: What ...

A good credit score is important for getting access to loans, rental options and even job opportunities. Good credit can lead ...

How does closing an old credit card impact your credit, spending habits, and financial plans? Read on to find out.

Your credit score is more than just your spending history. It is a new invention designed to trap modern consumers.

Credit card offers are often packed with appealing benefits, but many of the terms can be confusing or unclear, leading to unexpected expenses and longer debt cycles.

Credit card companies release tempting offers on a regular basis. With so many attractive sign-up bonuses, it might seem hard to resist applying for them all. However, bank application rules and ...

Credit card offers are often packed with appealing benefits, but many of the terms can be confusing or unclear, leading to unexpected expenses and longer debt cycles.

Looking ahead to 2025, analysts from the credit rating agency expect declining rates to increase mortgage origination volumes ...

Your credit utilization ratio indicates how much of the money you're currently borrowing compared to your credit limit on revolving credit lines. It's generally recommended that you keep this ...

Call to Select readers: Have you found a mistake on your credit report that's affected your credit score or not been able to get a credit card or secure a loan because of a poor credit score?