There are many factors considered in your FICO scores. Many people incorrectly believe having no negative information means you’ll have a good credit score. That’s not the case at all! As a matter of fact, negative information only affects about 35% of your credit scores. Other factors considered are things such as your shopping for [...]

Having a good credit score starts with understanding how the credit industry works.  There are many players in the credit game who all have a stake in collecting or using your information. Here we’ll start by laying out the basic foundations of all credit knowledge.