Can Old Addresses Be Removed from Your Credit Report?

It makes sense for your credit report to contain old credit account information or even loans you settled years ago. But, sometimes, you might be surprised to find old or inaccurate addresses. Don’t worry – most people often find themselves in this situation. So, why...

When Is Debt Relief Necessary? 

Are you drowning in debt, struggling to keep up with payments? Debt relief can be a lifeline. But what exactly is debt relief? When is debt relief necessary?   This article explores what debt relief is, the signs that you might need it, and the different options...

Why Credit Monitoring is Essential for Veterans 

Veterans and service members face unique challenges, especially when it comes to credit health. Strong credit is essential, as it affects access to important needs like housing, loans, and a secure financial future.   Credit monitoring helps veterans and active duty...

What Happens If You Go Over Your Credit Card Limit?

Trying to keep your spending under your credit card limit can be stressful. Sometimes, using up almost all of your available credit might be necessary. But what happens if you go over your credit card limit?   Credit cards are crucial for managing daily expenses and...

What is Credit Monitoring and Why is it Important?

Credit monitoring refers to a tool that alerts you of changes in your credit report and credit scores. It’s a great tool if you want to work on your credit and financial health because it allows you to watch your progress and adjust your behavior to reach your credit goals.

How to Improve Your FICO® Auto Score

Looking to buy your dream car? Having a strong credit score is an important early step in the process. Your creditworthiness determines the terms of your auto financing, making it crucial to understand how to enhance and maintain a strong credit profile. The most...

Does Debt Relief Hurt Your Credit? 

Are you struggling with debt, overwhelmed by multiple payments? You're not alone. Many people find themselves in this situation, and debt relief programs may seem like a tempting solution. But before diving in, a critical question emerges: does debt relief negatively...

What is Financial Literacy and Why is it Important? 

Financial literacy is an essential skill for navigating modern life. Whether you’re managing day-to-day expenses, building your credit score, planning for retirement, or learning to invest, understanding how money works is critical. Yet, many people still lack the...

Why Are There Multiple Names on My Credit Report?

You might be surprised to see multiple names listed when you get your credit report. In most cases, you don’t need to worry. In fact, there are often multiple names listed on a credit report. So why is this the case? There are several reasons why you might have...

How Do I Get My FICO® Score 2?

If you've stumbled upon this post, you're more than likely on a mission to find out about your FICO® Score 2, especially if you're gearing up for a mortgage application or eyeing that new credit card offer. Understanding your credit score is an essential step in...

Recent Articles

Does Debt Counseling Affect Credit Scores?

Does Debt Counseling Affect Credit Scores?

Do you have a lot of debt? Do you feel like you're always juggling your bills and trying to keep up with your payments? If so, you might need to consider debt counseling. But does debt counseling affect your credit scores? Debt counseling can be a great way to get your finances under control and start getting your head above water. But it's important to know the facts about how it affects your credit scores before making any decisions. Read on...

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Top 10 MyScoreIQ Blogs of 2022

Top 10 MyScoreIQ Blogs of 2022

We compiled a list of our top blog posts from the last year to find out what our audience most wanted to read about when it comes to credit reports and credit scores in 2022. Our most popular topics concerned the different types of information in credit reports and how major life milestones can affect your credit. These were the most searched and visited topics on the MyScoreIQ blog in 2022: Can Old Addresses Be Removed from Your Credit Report?...

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Your Guide to Financial Wellness

Your Guide to Financial Wellness

Finances are something that many people struggle with. Many report living paycheck to paycheck, often not considering savings and the future. An article from Zippa reports that about 125 million Americans live this way, which makes up over half of the population. Most people who live paycheck to paycheck fall within the lower income groups. Working on your financial wellness and breaking free from this lifestyle can be tricky when you have a...

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Does a Grace Period Affect Your Credit Score?

Does a Grace Period Affect Your Credit Score?

A frequently asked question in the credit world is what is a grace period? And how does it affect your credit scores? Here is information on how a grace period works, what it means, and the impact it can have on bad and good credit scores. Statistics from Forbes show that during the COVID-19 pandemic, 75% of Americans missed credit card payments, and only 29% of cardholders understand their credit card benefits. So, here are some essential...

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Do Credit Scores Update on Holidays?

Do Credit Scores Update on Holidays?

With the holiday season in full swing, it's normal to get caught up in searching for the right holiday gifts, planning parties, sending greeting cards and opening your home to family and friends. But if you wish to keep your credit health in check during this period, it's wise to pay special attention to your credit report and credit scores. But do credit scores get updated on holidays? Well, here’s what you need to know. Do Credit Scores...

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What Does a Tri-Merge Credit Report Mean?

What Does a Tri-Merge Credit Report Mean?

Your credit report is a record of your credit history. It includes your credit accounts, such as mortgages, auto loans and credit cards. Your credit report also provides information about your payment history, work history, addresses and the number of credit inquiries and by whom. The credit reporting bureaus are organizations that keep track of your credit history. There are three major credit bureaus in the United States: Equifax®, Experian®,...

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How Do You Negotiate with a Debt Collector?

How Do You Negotiate with a Debt Collector?

When you become delinquent on a debt to a business or creditor, the debt may be sold to a third-party debt collector. The debt collector can contact you to settle the debt and can even file a lawsuit against you if you won’t pay. If you don’t think the debt is legitimate, you may be able to dispute the debt and get it dismissed entirely. But, if the debt is legitimate, it’s generally a good idea to settle it so that it shows up as paid on your...

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