Category: Credit Scores
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Credit Card Delinquencies Are Rising in 2025 — Here’s What It Means and How to Protect Yourself
Americans across all income levels are falling behind on their credit card payments — and the numbers are climbing fast. According to recent data from the Federal Reserve Bank of St. Louis, credit card delinquencies are on the rise in 2025, reaching levels not seen since the 2008 financial crisis. Whether you’re managing student loans,…
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How to Request a Credit Limit Increase — And What It Means for Your Score
A credit limit increase can feel like a reward — more spending power, lower credit utilization, and sometimes even a bump in your credit score. But before you ask your card issuer for a higher limit, it’s important to understand how it works and what the potential impacts are. Here’s what you need to know.…
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Best Credit Monitoring Services That Help Detect Fraudulent Activity (2025 Guide)
Keeping an eye on your credit isn’t just about knowing your score — it’s about protecting yourself from identity theft, unauthorized accounts, and fraudulent activity that can wreck your financial life. Whether you’re recovering from bad credit or just want to stay safe, these top credit monitoring services will alert you to suspicious activity and…
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Understanding Your Credit Score: What It Is, How It’s Calculated, and Why It Matters
Your credit score can determine whether you’re approved for an apartment, a car loan, a mortgage — even certain jobs. Yet many people don’t know how their score is calculated, what affects it, or how to improve it. In this article, we’ll break down what a credit score actually is, what goes into it, and…