Credit
How credit scores work and practical steps to build and protect yours.
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Credit Utilization: What It Is and Why It Matters
Credit utilization is the share of your card limits you're using. Learn how it's calculated, what ratio to aim for, and how to lower it quickly.
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How Credit Scores Are Calculated
FICO scores weigh five factors, from payment history (35%) to credit mix (10%). See how each one works, with an example profile and what moves the needle.
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How to Improve Your Credit Score
A practical plan to improve your credit score, from fixing report errors and paying on time to cutting card balances, with a realistic timeline.
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What Is a Good Credit Score?
On the common FICO scale of 300 to 850, a good credit score starts around 670. See the score ranges, what they mean, and how your score affects borrowing costs.