If you satisfy the terms of your lease, breaking it won’t affect your credit unless unpaid rent is reported to the credit bureaus or sent to collections. 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.

Need help disputing errors on your credit report? Use our easy-to-follow templates and instructions with everything you need to write a credit dispute letter. Read more.

If terms like "grace period," "authorized user" and "variable interest rate" sound like another language to you, you’re not alone. These terms can be confusing to anyone. That's why we put together this A-to-Z guide for you. Read more.

Making your minimum credit card payment on time contributes to a positive payment history. However, your credit score could still be negatively impacted. Read more.

FICO® weighs open accounts more than closed ones, so paying off loans may hurt your credit. However, it will depend on your unique financial situation. Read more.

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.

A utility bill is a monthly statement showing the total balance of a household’s use of an essential service, such as electricity, water, or natural gas. Read more.