DR 042: A Complete Guide to Hard and Soft Pull Credit Inquiries

how to use an HSA

The formula thet generates a FICO credit score is made up of several components. Some of these components you would expect to see, such as paying your bills on time. But there is one component that takes a lot of people by surprise: credit inquires. A credit inquiry is a record of every time somebody […]

Published or Updated: April 1, 2014

DR 018: Interview with Experian Credit Expert, Maxine Sweet

Credit Reports

This is the eleventh day in our 31-Day Money Challenge. Over 31 days we’ll publish 31 podcasts, each designed to help you move closer to financial freedom. Yesterday we looked at credit score basics. In today’s podcast, we welcome to the show Experian’s credit expert, Maxine Sweet. Sponsors: The 31-Day Money Podcast is sponsored by […]

Published or Updated: July 29, 2014

DR 017: Credit Scores 101


This is the tenth day in our 31-Day Money Challenge. Over 31 days we’ll publish 31 podcasts, each designed to help you move closer to financial freedom. Yesterday I answered reader questions on everything from timeshares to social security. In today’s podcast, we look at the importance of credit scores and how they are calculated. […]

Published or Updated: July 29, 2014

What are FAKO Credit Scores And How Do They Stack Up to FICO Scores?

How to Build Credit for the First Time

One of the most important aspects of your finances is your credit score. This three-digit number sets the tone when you apply for loans, determining whether you are approved and what terms you can expect. On top of that, some insurers use your credit score to set your premium payments, and some landlords ask for […]

Published or Updated: December 12, 2013

DR 002: How to Improve Your FICO Score with Credit Expert Tom Quinn

Dough Roller Podcast--Veterans Day

Credit scores and reports are as confusing as they are important. Since 2007 when Dough Roller launched, I’ve fielded hundreds of questions about credit reports and scores. What I’ve learned is just how much misinformation is out there about how FICO and credit reports actually work. So it was fitting for Episode 002 of the […]

Published or Updated: November 24, 2013

FICO Introduces New Way to Get Your Credit Score Totally Free

How to Build Credit for the First Time

If you’ve recently tried to pull your own credit score, you know that it can get expensive. On the myFICO.com website, copies of your FICO score can cost anywhere from $19.95 to $54.85, depending on whether or not you want to see separate scores from all three major credit bureaus. Since FICO is the score […]

Published or Updated: November 7, 2013

3 Lesser-Known Ways To Improve Your Credit

3 Month CD Rates

You pay your bills on time, you pay your balances in full, and you haven’t acquired massive amounts of credit card debt. But is your credit score where it could be? Take a look at these three lesser-known tips that could give your score a quick boost. 1. Increase your credit limit Increasing your credit […]

Published or Updated: May 21, 2014

Does Being an Authorized User on a Credit Card Improve Your Credit?

A reader recently asked a question about her credit score. It’s a question I’ve heard many times in the past and it had to do with being an authorized user on a credit card. Here is the question that Kelly asked: I just added my husband as an authorized user on a credit card that […]

Published or Updated: April 3, 2014

[VIDEO] Step by Step Tutorial on Getting Your Free Credit Report

Credit Sesame Credit Score

A reader recently left a comment complaining that she was unable to get her credit report for free. She used the correct site, annualcreditreport.com. But for some reason she was convinced that the credit reporting agencies were trying to charge her for the report. Since an amendment to the Fair Credit Reporting Act in 2003, […]

Published or Updated: September 12, 2013