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Credit Score

How Paying Off Debt Affects Your Credit Score

Question How soon will my credit score improve after I pay off my debt? I am trying to figure out what is important. I was hoping you might be able to give me some insight. My Response I wouldn’t expect a huge jump in

Does Your Spouse’s Credit Score Affect Your Credit Score?

Question Once divorce, does my ex-husband’s credit score get better since the bad debt was under my name? My Response No, credit scores and marriage are not tied together. If you are getting a loan together, they may take both credit scores into account,

Remove Collection Account Without Hurting Your Credit Score

Question My Girlfriend just got a letter from a collection agency, with an account number and the amount of $150 dollars that is owed. She never recieved any mail or phone calls regarding this amount from the original creditor, and does not even know

How Credit Inquiries Can Affect Your Credit Score

In the following article I will explain how credit report inquiries can lower your credit score. Depending on the type of inquiry, your score can lower 3 – 10 points -even more with multiple inquiries. While this should not be the pinnacle of your

Average Credit Score and Credit Score Range

The average credit score in the U.S. is 680 This average varies by state with South Dakota having the highest average (710) and Texas having the lowest (651). Credit Scores range from 300 to 900 300 indicates horrible credit and 900 indicates perfect credit