credit scores

What is a credit inquiry and do they hurt my credit scores? And what’s this rumor I keep hearing about how FICO (FICO) scores are protected from multiple inquiries in a short period of time? All this and much more on this week’s episode of Credit Blab with John Ulzheimer.

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For the first time ever there’s now a sweet spot, credit score wise. You really want to fall between 760 and 810, give or take a few points in either direction. Here’s why.

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FICO’s entry into the mortgage market meant more press, more attention, more criticism, more work for me, and a whole lot of incorrect information being passed off as the truth.

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It’s commonly known and generally accepted that banks, credit card issuers, auto lenders, credit unions and finance companies see your credit reports when you apply for a credit benefit. But what many people don’t realize is that other entities have the ability to see your credit reports and do so enjoying the protection of the Fair Credit Reporting Act.

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The seven deadly credit sins: they all represent some form of default on a credit obligation. And while this is certainly not an exhaustive list of items that can damage your FICO scores, it’s a very good list to avoid.

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The almighty credit score. It determines your interest rates, insurance premiums, and, you’ve probably read in one too many articles or seen on the news, your score could even affect an employer’s decision to offer you a job. It’s a scary statement. But is it really true?

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For the first time since the installation of the FICO credit bureau based scoring system in 1989, 35% of the population is now scoring below 650.

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