Discover how credit scores and credit reports differ, why each is important, and how they impact your financial life.

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 ...

Discover how pre-approved credit offers affect your credit score, including the difference between soft and hard inquiries ...

If you see an account in collections on your credit report, it's understandable to feel stressed. Collections, even when paid, can potentially lower your credit score and impact your approval odds for ...

Your credit score is determined based on your current usage of credit, including factors like your payment history and your credit utilization ratio. Something called 'high credit' can also show up on ...

Staying on top of all your bills can be difficult and sometimes you’ll have to miss a bill to prioritize other necessities. The good news — missing a payment by a couple of days or weeks won’t hurt ...

A delinquency on your credit report indicates a payment that's been late for 30 days or more. This is one of the last things you want to have in your credit history as it can cause significant and ...

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full ...

Could your debt be reduced or forgiven? Take our financial relief quiz. Find my match Could your debt be reduced or forgiven? Take our financial relief quiz. Removing collections from your credit ...