You don’t receive a credit score until you establish credit history. Then, your score will be unique to you. Learn more about starting credit scores here. Read more.

VantageScore® and FICO® are both credit scoring models but have some key differences. Read on to learn how the two compare and impact your credit score. Read more.

If you’re applying for a time-sensitive loan, a lender may be able to use a rapid rescore to update your credit report quickly to show recent positive changes. Read more.

Opening a new bank account likely won’t affect your credit. Banks use ChexSystems to screen your banking history, which doesn’t impact your credit score. Read more.

Covington Credit is a financial services provider whose business includes offering loans to people who don’t typically qualify for most types of credit. Read more.

Getting rejected from a secured credit card can be confusing. We'll explain what to do if you were denied a secured credit card and the reasons why it happened. Read more.

Phone bills are typically not reported to the major credit bureaus since they are not considered credit accounts. We'll explain how they can affect you. Read more.

Your current and available balances may not always match. Learn why they differ and how understanding them can prevent overdrafts. Read more.