Is There a Difference Between Debt-to-Credit and Debt-to-Income?

When it comes to personal finance metrics, many important numbers are expressed as ratios. Two of the most common ratios you’ll hear are debt-to-credit and debt-to-income. They sound somewhat alike, so they’re easy to confuse. So, what do these terms mean? What’s the difference? And how are they used? Let’s check them both out. What […]

Published or Updated: October 22, 2016

Everything You Need to Know About the FICO Score 9

Did you know that credit scoring models are constantly evolving? Many consumers have an idea of what goes into a credit score–payment history, account balances, account mix, etc. But they don’t know that the way lenders look at these items is constantly fluctuating. As further evidence of this, we now have a brand new credit […]

Published or Updated: October 17, 2016

Credit Karma Review

The word karma can be defined as “the effects of a person’s actions that determine his or her destiny in his next incarnation.”  The idea of karma is most widely believed by those who follow Hinduism and Buddhism, but Credit Karma is something entirely different.  Unlike future incarnations, the effects of your actions in this […]

Published or Updated: November 11, 2016

When Do Negative References Get Removed From Your Credit Report?

These days, an individual’s successes, education, and even personality traits can all be found on “records.” We utilize LinkedIn accounts to spell out our career history and achievements. Our social media footprint can show strangers where we went to school, which marathon we ran last year, and how we take our coffee. These breadcrumbs follow […]

Published or Updated: September 15, 2016

Will Checking Your Score More Often Actually Improve Your Credit?

Common wisdom is that if you want to improve your credit, you should first have an idea of where you stand. You need to know what your current credit score is and what you can do to improve it before you can take steps in the right direction. But one recent Discover survey revealed some […]

Published or Updated: October 20, 2016

Everything You Need to Know About FICO’s Auto Score 9XT

When you think of your credit score, what do you think about first? If you’re like most consumers, you probably think of just one single number. That number changes over time, but it’s still just one credit score, right? Except when you’re talking about the FICO® Auto Score9 XT. The fact is that your credit […]

Published or Updated: September 7, 2016

How to Get Your Totally Free Credit Score

Not too long ago, the only way to get your free credit score was to sign up for a seven or 30-day trial. You had to enter your credit card, and if you forgot to cancel the membership, they started charging your card. Today there are several ways to get your credit score for free […]

Published or Updated: October 29, 2016

Earn 50,000 AAdvantage Bonus Miles with This Checking Account

Derek Brameyer

I described a couple of weeks ago about how I earned over 100,000 miles using the Citi AAdvantage Platinum Select Mastercard. If you’re looking to earn more points easily, take a look at the Citigold checking account promotion that’s going on between now and March 31st. You’ll earn either 50,000 American Airline miles or 40,000 […]

Published or Updated: August 17, 2016

Best Credit Monitoring Services

With all of the information flying around these days – and the increasing potential for it to fall into the wrong hands – credit monitoring services have become almost a necessity. But with dozens available, how do you know which ones are the best? There will always be debate on this topic, but herewith we provide […]

Published or Updated: November 11, 2016

Advertising Disclosure: The credit card and savings account offers that appear on this site are from companies from which Doughroller.net receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear on category pages. Doughroller.net does not include all credit card companies, banks, or all available offers, although best efforts are made to include a comprehensive list of offers regardless of compensation.

X CLOSE