When a loan EMI or credit card payment is overdue for up to 90 days, it reflects in the individual’s credit report as SMA.

Whether you are applying for your first or your fifth credit card, having a good credit score — something in the range of 661 to 780 — opens up doors to qualify for the best rewards and cash back on ...

If your limits are low, your credit scores are probably lower due to high utilization. To calculate utilization, most credit ...

When you’re applying for a loan, credit card or lease, knowing the difference between your credit score and credit report can give you some insight into how your lender or landlord views you from a ...

Some states are seeing major credit score declines, but recovery is possible with the right strategies. Expert Micah Smith ...

Learn how credit card posting affects your transaction timeline, the differences between transaction and post dates, and how it impacts your account balance and payments.

When you request a credit limit increase, your issuer immediately reviews your risk profile. That review can raise your ...

A great time to request a credit limit increase is when your credit score moves FICO score ranges. For example, if you go ...

Credit scores have dropped in all 50 states over the past year, as credit card balances swell and more people struggle to ...

Shutting down a credit card often feels like a clean, responsible move, but it can quietly affect your credit score.

Paying your credit card weekly can shrink your balance, reduce interest, and help you stay in control of your spending.