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Credit Scores

A credit score is a 3-digit number based on your credit history. Credit scores summarize how well you handle debt. Credit scores also help lenders assess the risk they would be taking by extending you credit. Higher credit scores typically help you qualify for better rates from lenders – which can save you money!


600 Credit Score: 5 simple ways to raise credit score 100 points

A 600 Credit Score means you’ll have a difficult time renting an apartment, getting a mortgage, personal or car loan, opening credit cards and even getting a cell phone contract. These 5 simple ways to raise credit score 100 points can get you to a 700 or higher credit score.


How Late Payments Impact Credit Scores

The negative effects of late payments on credit scores is two-fold. Late payments can take up to 100 points from a credit score plus once a late payment is on your credit reports, it can be there for 7 years.