Getting a perfect credit score is impressive, but is it necessary? Here's what an 850 does -- and doesn't -- get you.

Most people know a credit score can make or break a loan application, but far fewer can answer basic questions about how ...

Helping real people with real money challenges is a huge part of what our Bankrate editorial team does every day. Occasionally, we get the opportunity to talk with and help individual readers, as ...

Getting a mortgage loan becomes increasingly difficult if your credit score falls below this benchmark within the "Fair" ...

Boosting your credit score is a key step toward enhancing your financial well-being. If your score is lower than you’d like, there are actions you can take to achieve — or improve — a higher credit ...

Your credit card spending can impact your credit score. The more of your available credit you use at once, the more it has the potential to drag your score down. Find ways to manage your credit cards ...

Your credit score is more than just your spending history. It is a new invention designed to trap modern consumers.

Your credit score is one of the most important factors lenders look at when deciding how much interest to charge on your auto loan. Avoid unpleasant surprises by finding out your score before you ...

A higher APR results in higher interest charges when you carry a balance. This increases the borrowing cost of using your ...

Rajeev Dhir is a writer with 10+ years of experience as a journalist with a background in broadcast, print, and digital newsrooms. Betsy began her career in international finance and it has since ...

Does unemployment affect your credit score? Unemployment won’t directly affect your credit score. Your credit score is a reflection of your history with credit accounts, not your situation. But if ...