Raising your credit score doesn't need to be difficult. Lowering your credit utilization can give it a serious boost.

Temporary protections to help borrowers during the pandemic have ended and lenders can again begin reporting people who are ...

Carrying a balance on your credit card does not help your credit score. Doing so can also result ... expensive Let's say you've bought a $1,400 laptop and charged it to your credit card.

However, our opinions are our own. See how we rate credit score services to help you make smart decisions with your money. Your credit score represents your creditworthiness to lenders based on ...

One factor they consider is your credit score, a three-digit number calculated by analyzing your financial actions — such as debt and payment history, the age of your accounts and your credit mix.

Credit utilization accounts for a decent chunk of your credit score, so aim to use no more than 30% of your total available credit. There are ways to keep your utilization low and improve your score.