What’s the Best Way to Build Credit From Scratch?

Dear Penny, What’s the best way to get my credit started? Some of my friends say to start off with something like getting a phone or with layaway. Are they right, or is there a...

Here’s How to Easily Wipe out Old Debt and Improve Your Credit Score ·...

You’ve been working hard to clean up your credit and to improve your score, but we get it: This often feels like a daunting undertaking, especially if you owe creditors money. And, yeah, those harassing...

Minor Credit Score Changes Are Normal, So Stop Sweating Them

Thanks to the internet, it’s not hard to keep track of your credit score. Whether it’s through your bank account, credit card issuer or a free online credit monitoring program, if you’re financially minded,...

How to Freeze Your Credit: A Complete Guide

Another day, another massive data breach.  Equifax, Capital One, Marriott … the list seems endless.  And as more of our personal information is digitized, the risk of it ending up in the wrong hands rises,...

9 Moves to Make Now

How important is a credit score?   If your credit score is not so great, you’ll quickly see how it affects your financial situation, from interest rates on credit cards to your eligibility for a mortgage....

How a Money Buddy Can Help You Reach Your Financial Goals

Sha'Kreshia Terrell and Sau-Sha Hill decided to become accountability partners in 2014 to encourage each other to pay off their debt. Chelsea Purgahn for The Penny Hoarder The temptation of chocolate cake is real,...

How to Do an Equifax Breach Check — and Protect Your Data

Your Social Security number is worth $125 — in the eyes of Equifax, at least. The Federal Trade Commission reached a settlement with Equifax over a data breach that affected an estimated 147 million Americans...

Where Does Your Score Fall?

We usually think of credit scores when it’s time to get a mortgage, secure a car loan or apply for a credit card, but your score can affect you in other ways. It can...

The Secret Key to a Healthy Credit Score

Once I got over the fact that credit cards aren’t evil (thanks, Dad), I realized they actually help build my credit as long as I keep up with monthly payments. This, in turn, will...

If Your Credit Score Is Under 700, Make These 3 Moves Soon

You work hard to be a responsible credit user.  You pay your bills on time; you try to use your credit card only when you have to; and you have a few different credit accounts,...

What It Means and How It Affects 15% of Score

You likely already know how important it is to build and maintain good credit. Having an excellent score can help you buy a car, become a homeowner and even get the job you want....
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