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

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

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

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

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

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

What Credit Score Do You Need To Get A Credit Card?

Using a credit card responsibly can be a great way to build credit and take advantage of cash back and travel rewards. But you may be wondering if your credit score is good enough to get a credit card. There’s no general minimum credit score to get a credit card. Some credit cards, particularly those […]

Published or Updated: March 31, 2014

23 Resources for Anyone Considering Bankruptcy

Photo: StockMonkeys.com Bankruptcy is never a comfortable topic, particularly if you’re considering filing for bankruptcy. When the debts are piling up, and you can’t see a light at the end of the tunnel, bankruptcy can be a viable option. The key is to thoroughly understand the bankruptcy process, which debts you can and cannot take […]

Published or Updated: July 1, 2013

How Can Your Credit Report Affect Your Ability to Get Hired?

Photo: Andres Rueda Here’s one reason to pay attention to your credit history: potential employers may use it as part of a pre-employment background check. Under the Fair Credit Reporting Act, employers are allowed to request a copy of your credit report for employment screening. Here’s what you need to know about your credit report’s affect […]

Published or Updated: April 3, 2014

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