The way your credit score is calculated is about to change — and as many as 91.5 million Americans will be impacted. Why some might need to worry

Still, 44% of BNPL users worry about how these loans could affect their credit score — and with good reason. Credit scoring ...

How is a credit score calculated? Key factors that impact your score

A credit score is shaped by payment history, credit utilisation, credit mix and inquiries, with disciplined borrowing and ...
AFRO American Newspapers

How to protect — and improve — your credit score in 2026

Learn about the evolving rules of credit scores and effective strategies to improve your credit score from Bonita Grant, founder of Cure My Credit Score.

Check Your Credit Score for Free Whenever You Want With These 7 Services (But There’s a Catch)

Several online services provide one or more credit scores for free, but check whether you're receiving your VantageScore or ...
Money Digest on MSN

How the '7-year rule' can make or break your credit score

Negative entries like late payments and charge-offs stay on your credit report for seven years — this is what's known as the ...

Why your credit score may be falling even when you think you’re doing everything right

One of the biggest misconceptions is that paying minimum dues is enough to keep cards healthy. In reality, using too much of ...

Understanding Credit Card Balances and What's Included

Discover what a credit card balance includes, how it's calculated, and its impact on your credit score. Learn more about ...

How to refinance an auto loan if you have bad credit

“If you’ve got a low score but you have strong income and a good loan-to-value ratio, you can get refinanced,” Goodall said. Most lenders cap loan amounts at 125% of a car’s value. If your car is ...

Average Car Loan Interest Rates by Credit Score

Learn how credit scores influence car loan interest rates in 2025.