Making the minimum credit payment avoids late fees but may lead to higher utilization, which can affect your credit score. Read more.

ITIN's are issued to residents with foreign status, while SSNs are issued to U.S. citizens or authorized non-citizens. We'll explain the differences. Read more.

Sections 604 and 609 of the FCRA have similar numbers and refer to consumer reports and/or disclosures. Section 609 supports a dispute letter. Read more.

We focus on how having a lease guarantor works, how to find a good guarantor and how to rent without one, even if you have a limited credit history. Read more.

Paying off a collection account may improve your credit score, depending on the scoring model your lender uses and the type of debt. Read more.

Learn how to remove Caine & Weiner from your credit report and handle debt collection to reduce its impact on your credit. Read more.

Can paying rent build credit? Discover how rent reporting to credit bureaus works and how to use it to lift your credit score. Read more.

Learn how no-credit-check loans work, the options available, and the risks to consider before applying. Read more.