Credit Score Articles

Credit Scores

Peter WardenApril 29, 2022

Get your credit score and report for free. Learn what your credit score means and how to understand your credit report. Make sure that you check out how...

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Lexington Law Firm

September 10, 2021

Lexington Law provides credit repair services through a network of credit correction attorneys. Read a review of Lexington Law from Bills.com

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Trinity Credit Services

September 10, 2021

Trinity Credit Services specializes in credit repair and credit restoration that offers a free credit report consultation.

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Rebuilding Credit After Debt Settlement

Betsalel CohenSeptember 13, 2019

Rebuilding Credit | Rebuild your credit after debt settlement by maintaining your budget, funneling your debt payments to savings, and following these tips to..

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How to Improve Credit

Daniel CohenApril 28, 2019

There are a number of benefits to improving your credit. You can save money whenever you borrow if you improve your score and then maintain

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Credit Scores Are Overrated

Daniel CohenMarch 1, 2019

Credit scores are not a reliable measure of your overall financial health. They are important for borrowing money, but just one of many factors that you need

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Credit Score

Daniel CohenFebruary 28, 2019

Credit score ranges vary. FICO scores go from 300 to 850. Your score is not just a single number. Lenders use it to place you in a bucket with other people...

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Can UltraFICO Help You?

Betsalel CohenJanuary 13, 2019

UltraFico is a new credit score model to help you if you have a thin credit file. The new UltraFICO score uses your bank and deposit to improve...

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Can Alternative Credit Data Help?

Betsalel CohenMarch 25, 2018

Alternative credit data and scores can help millions of consumers gain access to credit. Traditional credit data and credit scores do not contain valuable...

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Minimum Credit Score

Betsalel CohenFebruary 25, 2018

There is no absolute minimum credit score. Minimum credit score requirements vary between loan products (auto, mortgage, or personal loan). However, your...

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Bad Credit

Daniel CohenDecember 8, 2016

Bad Credit Tips | Learn how to tackle your bad credit and what options are available to you. Find help to get Bad Credit loans, debt help and credit advice.

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Free Credit Check

Daniel CohenMay 12, 2016

Consumers have three ways to check their credit score, including signing up at Credit Karma, asking a lender for your score, and signing up a for fee-based...

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Home Purchase Credit Score

Bills.com TeamJanuary 7, 2016

Purchasing a home could affect your credit score, but unless you bought a home that is far beyond your financial means, then it is probably not the home purchas

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Voluntary Repo And It's Affect On Your Credit Score

Bills.com TeamNovember 14, 2015

How much will a voluntary repossession drop my credit score?

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7 Ways to Improve Your Credit Score

Daniel CohenApril 14, 2015

Learn 7 sure-fire ways to improve your credit score quickly and efficiently. Most of these techniques are simple and easy to accomplish...

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FICO Score Calculation

Daniel CohenApril 13, 2015

If you have questions about your FICO Score or your credit rating, check out Bills.com for free credit advice and tips.

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Credit Score

Anthony GarciaJanuary 22, 2015

Credit score video, from Bills.com Co-Founder Bradford Stroh, to help you learn how credit score and credit history impact you financially.

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How to Build Credit

Daniel CohenJune 19, 2014

Build Credit | If you do not have a credit score because you have not established credit yet, the good news is that you probably are not haunted by an array...

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Understanding Your Credit Score

Daniel CohenJune 12, 2014

Understanding your credit score | Understanding your credit score and how it works is easy when you use the resources available at bills.com

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What to Pay to Improve Your Credit

Daniel CohenMay 14, 2014

What will help your credit score more, paying off collection accounts or paying down the balances on your current accounts? Your score benefits most from...

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Debt Consolidation & Credit Score

Mark CappelMarch 6, 2014

Debt consolidation strategies have different affects on your credit score. Learn the impacts credit counseling, debt settlement, and bankruptcy have on your sco

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Collection Accounts & Credit Score

Mark CappelDecember 15, 2013

Paying off collection accounts & credit score | Paying off collection accounts can help your credit score. Get more credit help tips at Bills.com

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VantageScore vs. FICO

Mark CappelJune 4, 2013

FICO is the most popular credit scoring model, but VantageScore is a new model claiming to be more accurate for young people and other consumers with thin...

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No Credit or Bad Credit?

Mark CappelFebruary 15, 2013

Whether you have a bad credit score or no credit history at all, the answer to both situations is the same: Start by creating a positive credit history...

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Rapid Rescore

Mark CappelSeptember 30, 2012

Rapid rescore is not effective where the creditor reports accurate information to the the credit reporting agencies. However...

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Terminate Cell Phone Contract

Mark CappelSeptember 20, 2012

Terminate Cell Phone Contract | If you terminate your cell phone contract early and pay the early termination fee, it should not harm your credit. But...

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Steps to Establish Credit

Betsalel CohenJuly 22, 2012

Establish Credit | It takes time to establish credit. Build a strong financial plan (budget, save money). Be careful before co-signing or adding an....

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Help Fix My Credit - Take Action Now

Betsalel CohenApril 5, 2012

Help fix my credit | Check your credit report and work on correcting mistakes and errors through the dispute process. Also, be sure to get rid of...

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Help With Bad Credit

Mark CappelMarch 23, 2012

Need help with bad credit? Learn how yoru credit score is calculate, how to remove incorrect information from your credit report, and how to rebuild a bad credi

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Bad Credit Unsecured Loans

Mark CappelMarch 12, 2012

Unsecured Loans for People with Bad Credit | Bad credit loans to address a short-term need have long-term consequences. Watch out for predatory lenders, ...

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How to Fix Your Credit

Betsalel CohenMarch 8, 2012

How to fix your credit | Bills.com provides information and tools to help you fix your credit report, find debt relief options, and improve your...

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How applying for credit affects credit score

Daniel CohenMay 15, 2011

Protect your credit rating. Free tips from Bills.com about applying for credit and how it affects your credit score.

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Foreclosure and Credit Score

Mark CappelMay 12, 2011

Record numbers of Americans have credit scores less than 600. Review how specific credit problems, like bankruptcy and foreclosure, affect a credit score.

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Short Sale, Foreclosure & Your Credit Score

Mark CappelApril 6, 2011

Short Sale, Foreclosure & Your Credit Score | Review two tables, from FICO data, showing how a short sale, foreclosure, and bankruptcy affect your score. You...

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Fix Bad Credit

Betsalel CohenDecember 1, 2010

Fix Bad Credit | Your credit rating is calculated based on several variables, including your payment history. Paying off delinquent accounts and...

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All About FICO

Mark CappelDecember 1, 2010

Learn what a FICO score is and how it is calculated

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Credit Solutions

Anthony GarciaDecember 1, 2010

Looking for credit solutions? Bills.com has the credit information and solutions you need to save money and get out of debt.

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Credit Monitoring Services

Bills.com TeamDecember 1, 2010

Find credit monitoring services and valuable information about your credit from Bills.com. Your source for saving money.

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Subprime Credit 101

Mark CappelDecember 1, 2010

Most subprime loans have high interest rates, added fees, and other costly expenses, including...

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Credit Limit Credit Score

Bills.com TeamNovember 8, 2010

Two factors are taken into consideration when calculating credit utilization. The first is overall utilization. The second is individual credit account utilizat

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Piggyback Credit

Mark CappelNovember 5, 2010

If your spouse has strong credit, your being an authorized user on an account with a healthy credit history will boost your score. This is called piggybacking

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Credit Score FAQ

Mark CappelOctober 26, 2010

Free tips on establishing, maintaining, and improving your credit rating.

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Credit Score FAQ

Bills.com TeamOctober 26, 2010

Learn about how your credit score is determined and how your credit score affects you.

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Understanding Credit Score Discrepancies

Mark CappelOctober 5, 2010

Understanding Credit Score Discrepancies | Your credit scores are calculated using complex mathematical formulas. Your scores can vary from bureau to bureau...

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What Affects Credit Score

Mark CappelSeptember 13, 2010

There are five key factors that go into calculating your credit score, with certain items carrying more weight than others.

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Free Credit Report With Score

Daniel CohenSeptember 7, 2010

Free advice from Bills.com on how to get a free credit report with score.

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Collection Account & Credit Score

Mark CappelJuly 22, 2010

A credit record is an imperfect snapshot of a person's credit history that is 60-90 days out of date. The soonest that any change can be reflected in a credit s

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Raise Your Score For Free

Mark CappelJuly 1, 2010

Raise Credit Score for Free | It doesn't have to cost you money to raise your credit score. Follow a clear strategy and make smart decisions and your score...

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I Have No Credit History What Can I Do?

Mark CappelMay 5, 2010

What can I do if I have no credit history?

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Will Paying Off My Auto Loan Raise My FICO Score?

Mark CappelMarch 5, 2010

Paying off Auto Loan and FICO Score | Timely payments of a loan are crucial for your credit score. Paying off a loan will affect the amount of credit and the...

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