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Why Do Credit Scores Increase with Age?
Why Do Credit Scores Increase with Age?

Does age have an impact on credit scores? The short answer is yes. Data shows that different generations have distinct credit scores. Individual credit scores are used by financial institutions and lenders to determine eligibility for favorable rates and terms for financial products and services. For example, a higher credit score typically earns borrowers lower rates on personal loans.

Improve Your Credit · 2 min read
Why Are the 3 Major Credit Bureaus Important
Why Are the 3 Major Credit Bureaus Important?

For anyone who’s ever rented an apartment, applied for a loan, or done anything where their financial health comes into question, they’re likely familiar with both a credit report and credit score. Obtaining both is easy these days, thanks to a wealth of free online services.

Personal Loans · 4 min read
how is a credit score calculated
How is a Credit Score Calculated?

Most people, who know anything about personal finance, understand why a credit score is important. Far fewer people, however, know exactly what goes into determining a credit score. For the FICO score model, which the large majority of credit scores are based on, it’s best viewed as a pie chart of different categories.

Improve Your Credit · 4 min read
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TransUnion is a global information and insights company that makes trust possible in the modern economy. We do this by providing a comprehensive picture of each person so they can be reliably and safely represented in the marketplace. As a result, businesses and consumers can transact with confidence and achieve great things. We call this Information for Good.®A leading presence in more than 30 countries across five continents, TransUnion provides solutions that help create economic opportunity, great experiences, and personal empowerment for hundreds of millions of people.

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Credit Strong is a division of Austin Capital Bank. The Credit Strong account is the first nationwide fusion of credit building and an FDIC insured savings account and is available online 24 hours a day in 47 states.

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Self is a leading fintech startup with a mission to help people build credit and savings.

Why Do Credit Scores Increase with Age?
Why Do Credit Scores Increase with Age?

Does age have an impact on credit scores? The short answer is yes. Data shows that different generations have distinct credit scores. Individual credit scores are used by financial institutions and lenders to determine eligibility for favorable rates and terms for financial products and services. For example, a higher credit score typically earns borrowers lower rates on personal loans.

Improve Your Credit · 2 min read
shutterstock 1352928521
How Often Does Your Credit Score Change?

In collaboration with Money Lion - These days, consumers have relatively easy access to their credit scores thanks to a wealth of online services. Knowing your credit score is important, because it sets expectations for the type of financial products (e.g., credit cards, loans) that you’ll be best suited to apply for, and it factors into other important life needs (e.g., finding a job, buying/renting a home).

Improve Your Credit · 0 min read
Why Are the 3 Major Credit Bureaus Important
Why Are the 3 Major Credit Bureaus Important?

For anyone who’s ever rented an apartment, applied for a loan, or done anything where their financial health comes into question, they’re likely familiar with both a credit report and credit score. Obtaining both is easy these days, thanks to a wealth of free online services.

Personal Loans · 4 min read
How does VantageScore Differ From FICO Score
How Does VantageScore Differ From FICO Score?

Since its introduction in 1989, the FICO Score has reigned supreme as the most widely used credit scoring model in the US. The formula has gone through multiple iterations since, but if a consumer is applying for a loan or credit card, the financial institution on the other end is almost certainly using the applicant’s FICO score to help determine their creditworthiness.

Improve Your Credit · 4 min read
understanding the credit score spectrum
Understanding the Credit Score Spectrum

Credit scores can seem like a mystery, but they’re actually quite simple. When it comes to loans, any kind of borrowing involves a lender checking the applicant’s credit score. How the score affects a loan’s interest rate and terms depends on a number of factors. Below is a breakdown of the credit score spectrum and the advantages and disadvantages of different scores. Knowing where your score lies can help when seeking out a loan, to ensure you are getting the best offers available.

Improve Your Credit · 2 min read
FICO Changed its Credit Score Model
FICO Changed its Credit Score Model — What You Need to Know

The strength of a person’s credit score can be their ticket to securing a personal loan with a competitive interest rate. The way these scores are calculated is changing, however, as consumer behavior continues to be looked at through a broader lense. Specifically, FICO has updated its industry-leading FICO Score to better reflect these changes, providing lenders with the most comprehensive data available.

Improve Your Credit · 3 min read
Article 2 Creative (1)
What Is My Credit Score And Why Does It Matter?

When looking into financial decisions like managing debt and applying for credit cards, you’ll usually be asked for several pieces of information. One critical metric is known as your “credit score”. Your credit score is one of the major ways that financial institutions measure how trustworthy of a borrower you are. 

Improve Your Credit · 3 min read
Article 1 Easy Steps Improve Credit Score
Easy Steps To Improve Your Credit Score

If you’re ready to take control of your finances and work towards goals like getting approved for credit cards with better features, a higher credit score will help you secure the best possible options. To make your search as simple as possible, consider using a financial search engine like Fiona to get matched with a credit card that’s right for you.

Improve Your Credit · 6 min read