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Building Credit

A woman thoughtfully holds up her credit card while walking through an outdoor shopping center, perhaps happy that she has an unsecured credit card.

What Are Unsecured Credit Cards?

Unsecured credit cards can boost your financial situation, but only if you manage them properly. Here’s everything you need to know before getting one.

A young woman raises her fist in celebration while holding up her credit card, as if she’s pleased with her starting credit score.

What Credit Score Do You Start With?

Wondering what your starting credit score is? Learn how to build a strong foundation from the beginning of your credit journey.

A young woman looks at her credit card and several past-due invoices, indicating her credit card may be charged off.

What Happens When a Credit Card Is Charged Off?

What happens when your credit card gets charged off? Discover the impact on your credit, how debt collection works, and steps to reduce the effects.

Six hands each hold a credit card toward a restaurant server’s handheld point-of-sale system. If each person has a card that rewards dining out, they may be trying to maximize that benefit.

How to Use a Credit Card Wisely & Maximize Benefits

If you use your card strategically, you could take advantage of all sorts of benefits.

The hands of a man and woman meet for a handshake over some documents, perhaps because the woman’s credit score range helped her get approved for credit.

Credit Ranges - What Your Score Means for Your Everyday Life

Good? Poor? Prime? We’ve all seen the different names for credit score ranges. Find out what they mean and what they mean for you.

A woman inspects a few documents while working at her computer desk. Perhaps she’s comparing her credit scores from FICO and VantageScore while applying for credit.

VantageScore vs FICO

Why are there two major credit scoring models? Find out all about the differences between them and how they’re calculated.

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This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

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