What is a credit utilization ratio? Your credit utilization ratio is the percentage of your available credit that you are ...

If your credit card application is denied, it's a good idea to take a break from card applications for at least a few months ...

Editorial Note: Talk Android may contain affiliate links on some articles. If you make a purchase through these links, we will earn a commission at no extra cost to you. Learn more. A credit card ...

According to the FICO credit scoring model, an excellent credit score falls between 800 and 850 points. FICO, or the Fair ...

While a credit score provides an overview of your financial health, a credit report serves as a detailed map of your credit ...

All the shopping you did this month may have a bigger impact on your finances than just having to budget for all the money ...

The term "credit utilization ratio" describes the relationship between your balances and total available credit across revolving accounts (such as credit cards). It's the percentage of your credit ...

Even the most carefully planned budgets can be thrown off by last-minute expenses. When savings and discretionary income fall short, many Americans turn to credit to bridge the gap. In ...

Filing for unemployment doesn’t directly affect your credit score, but the financial adjustments that often come with job ...

Credit builder loans provide a straightforward way to improve your credit score. Learn about the best credit builder loans ...

Credit cards are a double-edged sword when it comes to your financial health. While they provide convenience, rewards, and a ...

A credit limit reduction can increase your utilization ratio. Suppose you owe $2,000 on a card with a $10,000 credit limit. In that case, your credit utilization ratio is 20% ($2,000 / $10,000).