Credit report

The Credit Report: What exactly is it and How Can I get One? GAD Capital explains in details

A credit report summarizes a person’s credit profile that contains information on open and canceled accounts and payment and balance histories. Soft and hard credit inquiries, public records, and collections are all included in the reports. The three largest bureaus—Experian, TransUnion, and Equifax—publish official credit reports that lenders and other financial organizations use to assess […]

Credit score

4 Credit Card Mistakes That Could Hurt Your Credit Score

Image source: Getty Images Your credit score is important for all aspects of your financial life. A good score makes it easier to rent an apartment, borrow at an affordable rate, and qualify for utilities and cell phone service with a reasonable deposit. Credit cards can help build your credit score, but they can also […]

Credit report

UW-Madison Division of Extension Highlights Credit Report Changes Coming July 1

For Chief Tomahawk WISCONSIN — Educators at the UW-Madison Division of Extension remind area residents that beginning Friday, July 1, there will be several changes to how information appears on credit reports. “Keeping on top of what’s on your credit report can help you spot errors and possible cases of identity theft,” said a statement […]

Credit report

Definition, rules, impact on the credit report

Data provisioning is the process of sharing consumer information with major credit bureaus. Because providing data is not required, your credit reports may not reflect all of your borrowing activity. Credit report errors are common, so it’s wise to check your reports regularly. Loading Something is loading. Credit reports play a huge role in the […]

Credit report

A platform extending the best commercial credit report services

Credit Help India has come forward to digitize Credit Score counseling services. Soon it earned the laurel of being one of the trusted names in the business. Supported by a team of professionals and management with an astute vision, she aims to transform the company. With its […]

Credit report

CIBIL Rank & Company Credit Report: Transforming Access to Credit for MSME Business Owners

Over the past few months, the overall credit deployed in the Indian micro, small and medium enterprise (MSME) sector has witnessed a gradual recovery to pandemic levels , with over Rs 17.63 lakh crore deployed in April 2022 against Rs 16.17 lakh crore deployed in March 2022. A host of factors such as the various […]

Credit sales

Truworths reduces exposure to credit sales

The Chronicle Harare OfficeLISTED clothing retailer Truworths says it is reducing exposure to credit sales as it seeks to protect the business from inflationary pressures. Credit sales Corporate Secretary Brenda Chibanda has revealed that the group will place greater emphasis on cash sales as a means of managing the risk of loss of value at […]

Credit report

Credit Help India: A Leading Name Offering Business Credit Report Services

Credit Help India is India’s most trusted and reputable credit counseling service company. With its extensive network spread across India, it offers a range of credit counseling services and is now extending its services to commercial credit reports. Credit score and credit ranking play an important role in ensuring transparent processing of loan applications. A […]

Credit score

6 Tips to Improve Your Credit Score When Buying a Home in Buffalo

Summer is in full swing and with the warmer temperatures we have many home buyers outside of Western New York looking to buy a home. Inflation has caused many things to rise sharply throughout New York State. From gasoline and fuel to chicken wings, the cost of goods and services has increased exponentially. These increases […]

Credit sales

Mr Price sees a spike in credit applications and credit sales

JSE-listed clothing and home goods retailer Mr Price reported a 54% rise in credit applications and a 23.6% increase in credit sales to R3.7 billion for the year ended April 2, 2022, as new customers show a greater appetite for credit and existing customers. spend more. Despite soaring credit demand as more consumers face ongoing […]

Credit report

“An arm and a leg”: good news for your credit report

Dan Weissmann Don’t see the audio player? Click here to listen. Click here for a transcript of the episode. Credit bureaus announced in March that they would start removing most paid medical debt from people’s credit reports. At first we weren’t sure it would be such a big deal. After all, unpaid medical debt would […]

Credit report

Credit report hits new high, hitting retailers and shoppers’ savings

The April consumer credit report released Tuesday afternoon rose $38 billion on a seasonally adjusted basis to $4.57 trillion, a new record – and beating the forecast increase of $35 billion. The feat marks the third consecutive month of earnings over $30 billion. Revolving credit, which is mostly credit card debt and tends to account […]

Credit report

Daily Markets: Traders Ahead of the Afternoon Consumer Credit Report

The big picture today Asia-Pacific equity indices ended today’s session mixed, with Japan’s Nikkei and China’s Shanghai Composite rising slightly at 0.10% and 0.17%, respectively, while Hong Kong’s Hang Seng and Taiwan’s TAIEX fell 0.56%, India’s Sensex fell 1.02% and Australia’s ASX All Ordinaries. down 1.54%. South Korea’s KOSPI led the way, losing 1.65% on […]

Credit score

3 Surprising Reasons Your Credit Score Keeps Taking a Hit

Image source: Getty Images So you paid your bills on time every month and you were never late. Yet your credit score seems to be dropping. Which give? The higher your credit score, the easier it is to borrow money affordably when you need it. And so, a series of minor credit score hits could […]

Credit report

Millions of Klarna customers will see payment history on this month’s credit report

Purchase and payment service Klarna will start reporting the use of Buy Now, Pay Later (BNPL) products to UK credit reference agencies from this month. It will report consumer purchases paid on time, late payments and unpaid purchases for “pay in 30” and “pay in three” orders placed on or after June 1 to Experian […]

Credit score

BNPL affects your personal credit score

The deep penetration of smartphones and the cheap internet rescued payments from the domination of cards and cash, seized access to investments from D-street gatekeepers, and freed credit from the ivory towers of institutional banks. . For the first time, access to these services is in the hands of citizens. Users in Tier 2 and […]

Credit score

IdentityIQ Rocket Credit Score Reviews (Be Prepared) Legit Credit Score Monitoring?

Rocket Credit Scores is a website that helps consumers understand their current credit score through a paid subscription. Users will have instant access to their credit reports from TransUnion, Experian and Equifax. What are Rocket Credit Scores? Credit follows consumers everywhere. Every payment they make late (or on time) can cause their score to change, […]

Credit score

Video: Maintaining Your Credit Score

Kylie Saigol, an analyst with the Rising Gen client segment team, spoke with Wendy Mock, host of UBS Trending, about building sound credit ratings. The Rising Gen client segment team assists investors under 40 or those at the beginning of their financial journey. Click here to watch the episode, which aired May 18, 2022. Strong […]

Credit score

What affects your credit rating? To find

A credit score is a number that determines one’s ability to repay credit on time. In other words, it is proof of its solvency. Anurag Sinha, Co-Founder and CEO of OneScore and OneCard, says, “Before extending any form of credit, a potential borrower’s credit behavior is thoroughly analyzed by credit bureaus and the score is […]

Credit report

What is the difference between a credit report and a credit score?

HUNTSVILLE, Ala. (WAFF) – Credit scores and credit reports both represent an individual’s creditworthiness or likelihood of repaying a loan. However, credit reports and credit scores are two different things that can sometimes be confusing and incorrectly used interchangeably. WAFF spoke to Briana Cousins. She’s a financial education coordinator at Redstone Federal Credit Union to […]

Credit score

How To Increase Your Credit Score In 30 Days | Credit card

When your credit rating is low, you may wish you could wave a magic wand to boost it. Nobody has overnight or super-quick fixes, but you can take steps to improve your credit score in 30 days. These six steps can lead to major movement in the right direction. The three major credit bureaus update […]

Credit report

What do you want to know?

If you’re like most people, you probably don’t know much about your credit score or the difference between a credit report and a credit score. You may know that having a good one is important if you want to get a loan or a mortgage, but what actually goes into your score calculation? And what […]

Credit report

Conning Releases 2022 State of Municipal Credit Report, Maintains Stable Outlook for State Credit Quality Amid Inflation and Rising Interest Rate Concerns

News and research before you hear about it on CNBC and others. Claim your one week free trial for StreetInsider Premium here. Interactive access to report data enables better understanding of metrics Strong tax collections and unprecedented federal stimulus are benefiting states, though overspending could squeeze reserves and reduce recession preparedness. Less favorable borrowing terms […]

Credit report

Conning Releases 2022 State of Municipal Credit Report, Maintains Stable Outlook for State’s Credit Quality Despite Inflation and Rising Interest Rate Concerns

Interactive access to report data enables better understanding of metrics Strong tax collections and unprecedented federal stimulus are benefiting states, though overspending could squeeze reserves and reduce recession preparedness. Less favorable borrowing terms should also be monitored. Florida, New Hampshire and Texas enter the top five in the rankings, bucking a historic trend toward western […]

Credit score

Everyday Cheapskate: Whether you like it or not, you need a good credit score

In my perfect world, there would be no credit scores. And while I don’t believe credit is necessarily bad, in this perfect world of mine, there wouldn’t be any need for all that because it would be, well…perfect! Back to reality. There are myriad reasons why we need to have a good credit history and […]

Credit report

Mixed Credit File Errors Lawsuit Investigation

Mixed or merged credit file errors: who is affected? Has another person’s information been included in your credit file? Has it damaged your credit score? Legal help is available. Credit scores are important in everyday life. They play a role in how much interest you pay on loans, which loans you qualify for, and can […]

Credit score

Home.com study shows popular free credit score inflated by 20 points on average

Home.com study shows popular free credit score inflated by 20 points on average Tweet that FICO vs. Vantage Credit ScoresFICO® and Vantage are competing brands that produce consumer credit scores used to measure a borrower’s reliability in repaying a loan. Although credit monitoring sites often display VantageScores®, mortgage lenders almost exclusively use FICO® scores to […]

Credit score

What credit score is required for a student loan? – Forbes Advisor

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors. When you apply for a loan, lenders will review your credit to determine your risk as a borrower. This also applies to certain types of student loans, including federal PLUS loans and […]

Credit report

Nova Credit partners with CRIF to launch first CIC credit reporting service for Filipinos in Hong Kong, Business News

HONG KONG SAR – Media outreach – May 16, 2022 – Nova Credit is pleased to announce the launch of Credit Information Corporation (CIC) Credit Reporting Service, in partnership with CRIF, for Hong Kong-based Filipinos. With the support of CRIF’s international operations, NOVA is Hong Kong’s first credit reference agency to offer CIC credit reports […]

Credit score

How Paying Bills Like Netflix Can Boost Your Credit Score

Image source: Getty Images Your credit score is one of the most important financial numbers in your life. Financial institutions use it to determine if you qualify for a loan or a credit card, as well as your interest rate. Your score can also determine how much you pay for your insurance premiums, and many […]

Credit report

You can get a free credit report every week in 2022. Here’s how

Accessing your credit report has never been easier. The Federal Trade Commission recently announced that the three major credit bureaus, TransUnion, Equifax and Experianextended their participation in a program first launched in 2020, providing Americans with free access to their credit reports on AnnualCreditReport.com. Before this program began, Americans could receive one free report per […]

Credit score

New credit score models and credit reports are front and center for federal agencies

While the topic of credit reports and credit scoring remains a focus for several federal agencies, a major decision by the Federal Housing Finance Agency (FHFA), stemming from a 2019 final rule regarding the modeling of credit rating, looms. The FHFA’s new scoring models may require Fannie Mae and Freddie Mac, the government-sponsored enterprises (GSEs), […]

Credit score

Watch out for credit score drops

LANSING, Mich. (WILX) — Your credit score is usually slightly different depending on where you check it, but it should generally be within the same range. Monitoring your portfolio: Myths about your credit score So if you use the same banking app over and over again to check your score and you notice your score […]

Credit report

Does your credit report indicate a fake loan or a phantom loan? Know the repair

Photo: iStock HIGHLIGHTS After a recent monetary policy review, the RBI said it had received numerous complaints about fake loans. Almost all fintech lenders follow a flawed process to complete KYC to on-board customers so they can sanction and disburse loans within minutes. They get away with it because people are just starting to take […]

Credit report

Credit Card Fraud Detection vs Credit Report Monitoring: What’s the Difference?

With all of us connected online, fraud has become big business for anyone looking to deceive for profit. Unsurprisingly, credit card fraud tops the list of so-called identity theft crimes. To better understand this, businesses and consumers have better tools. For example, there are credit card fraud detection options for those who accept payments, such […]

Credit score

10 things you need to know about your credit score

What you may not know about your credit score can hurt you. Did you know that the average American credit score is 669-699. Sounds good, right? It may sound amazing, but if you, the average person, increased their credit score by 50 points, they would reduce their mortgage interest rate by 0.5%. 20% of US […]

Credit report

Exact date that Klarna will show on your credit report for the first time

BUYERS who use Klarna’s buy now, pay later services will see these transactions recorded on their credit reports starting next month. This means that lenders will be able to see this loan for the first time – and it could prevent you from getting a mortgage or a credit card in some cases. 1 Klarna […]

Credit report

Your Klarna payment habits will start to impact your credit report

Klarna will start telling credit agencies if customers pay on time or miss announced payments. The buy-it-now, pay-later business, which offers customers the option to pay for their purchases in installments or at a later date, said that from 1st June, Klarna’s repayment habits will appear on a person’s credit report. The move comes under […]

Credit score

Mortgage rates are rising. Here’s why your credit score matters and 5 ways to improve it

In just a few months, mortgage rates have gone from just over 3% for a 30-year fixed loan to just north of 5%. As potential buyers keep track of these numbers, there may be one thing they’re forgetting: their credit score. The three-digit number has a big impact on the interest rate you’ll get on […]

Credit report

Exact date that Klarna will show on your credit file for the first time

BUYERS who use Klarna’s buy now, pay later services will see these transactions recorded on their credit reports starting next month. This means that lenders will be able to see this loan for the first time – and it could prevent you from getting a mortgage or a credit card in some cases. 1 Klarna […]

Credit report

Illegal car seizures and credit report disputes plague consumers, report says

Photo (c) Peter Cade – Getty Images The Consumer Financial Protection Bureau (CFPB) has released its oversight highlights report on violations of the law that the agency has identified in the second half of 2021. The report details key findings on products and consumer financial services. “While most entities act in good faith to comply […]

Credit report

CFPB Monitoring Report Reveals Illegal Autofills and Breakdowns in Credit Report Disputes

washington d.c. – Today, the Consumer Financial Protection Bureau (CFPB) released its Supervisory Highlights Report on violations of law identified during CFPB supervisory reviews during the second half of 2021. The report details key findings on consumer financial products and services. “While most entities act in good faith to comply with the law, CFPB reviewers […]

Credit score

Breaking: Bitcoin-Backed Mortgage to Allow Buying a Home Without a Credit Score

Milo Credit, a Miami-based company, offers Bitcoin-backed mortgages to allow consumers to buy homes without trading their coins. The sale of cryptocurrency for fiat currency is a taxable event in the United States, as in most other countries. This means that any gain or loss realized since purchase is taxed at the time of sale, […]

Credit score

Here’s why raising your credit score right now might be the most important thing you do

Image source: Getty Images Sometimes the need to borrow money can arise unexpectedly, like when your car breaks down and you need to take out a personal loan to cover repair costs. Other times it’s easier to anticipate when you might need a loan, for example if you’ve saved up to buy a house and […]

Credit score

Dave Ramsey has no credit score. Here’s why it might not work for you

Image source: Getty Images Your credit score is not just a random number. Rather, it is an indication of your level of confidence as a borrower. A higher credit score sends the message that you can be counted on to repay a loan on time and in full, while a lower score sends a warning […]

Credit score

You Can Now Get a Bitcoin-Backed Mortgage Without a Credit Score

Miami-based startup Milo Credit offers Bitcoin-backed mortgages to allow people to buy homes without selling their coins. In the United States, as in most countries, selling crypto for fiat is a taxable event. This means that any gain or loss since purchase is realized at the point of sale and therefore taxed, which is due […]

Credit score

What credit score is needed to refinance?

What credit rating is needed to refinance? The minimum credit score to refinance varies by lender and type of loan. For example, you need a minimum credit score of 580 to refinance an FHA loan or 620 to refinance a conventional loan. But some lenders might set a higher minimum of, say, 600 for FHA […]

Credit score

Six credit score myths debunked by finance experts

Credit scores impact many aspects of our lives, but many myths persist about what does and doesn’t affect them, according to financial experts. Credit card company Aqua has compiled and debunked six common misconceptions. To improve your credit score, the company recommends checking your credit report regularly, getting a credit card to build a credit […]

Credit report

RBI relief for fintech credit report dilemma | Indian Journal of Business Law

The Reserve Bank of India’s decision to allow fintech companies to access credit information through credit bureaus is a positive move, but ownership and control issues remain unresolved, writes Kaushal Mathpal A According to the latest Reserve Bank of India (RBI) Digital Lending Report dated November 18, 2021, digital lending grew 12 times between 2017 […]

Credit score

My credit usage has exceeded 50%. This is what happened to my credit score

Image source: Getty Images A bad time to buy can have a big impact on your credit score. Key points Using too much of your available credit can cause your utilization rate to increase. A utilization rate above 50% caused my credit rating to drop by 25 points. Full payment of the balance completely canceled […]

Credit score

The average credit score by age, state and year

Personal Finance Insider writes about products, strategies, and advice to help you make smart decisions with your money. We may receive a small commission from our partners, such as American Express, but our reports and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our editorial standards. The average […]

Credit score

Competition among credit rating companies is good for equality in housing

Promoting financial inclusion and racial equity is perhaps the most important social issue facing our country today. A stark reality is that the property gap between white and black families has grown in the six decades since the Fair Housing Act was signed — from 27% in 1960 to 30% in 2017, according to the […]

Credit score

Tips to increase your credit score

What is credit? Credit is the ability to borrow money or access goods or services knowing that you will pay for them later. It increases your financial power by helping you buy the things you need now even if you don’t have the money to pay for them now. One factor that can determine your […]

Credit score

This 1 mistake took 140 points off my credit score

Image source: Getty Images Recently, I made a big financial mistake. I lost track of my bill payment schedule. And, as a result, I ended up missing a mortgage payment. I wasn’t just a little late either. Most mortgage lenders allow a grace period after the payment is due. This grace period is generally around […]

Credit score

With Competing Credit Score Models, Details Matter

On March 1, the Federal Housing Finance Agency held a public listening session on credit score models. I appreciated the opportunity to share my thoughts with over 25 other respected and knowledgeable stakeholders. The importance – and the challenges – of credit scores are at the forefront in the current dialogue as we collectively strive […]

Credit report

Role of credit report and credit score for mortgage eligibility? What are the main reasons for a bad credit rating?

Photo: iStock HIGHLIGHTS If you constantly delay your payments, it can affect your credit score. Multiple outstanding loans can also affect credit rating, increase debt burden and hinder repayment ability. Applying for multiple loans or credit cards sends a message that you desperately need credit. When you apply for a loan, the financial institution verifies […]

Credit score

Letter to the Editor: Insurance Commissioner’s Credit Score Ban Is Wrong

My husband and I live on a fixed income. We’ve paid our bills, been productive in our jobs and communities, gotten great credit, and downsized to accommodate our greatly reduced incomes now that we’re both retired. No one could have predicted the impact of COVID-19 on Washington State. Our governor has declared a statewide state […]

Credit score

FICO could be affected by the FHFA’s upcoming decision on credit score models (NYSE: FICO)

Anhelina Pikas/iStock via Getty Images The Federal Housing Finance Agency, the watchdog of mortgage giants Fannie Mae (OTCQB:FNMA) and Freddie Mac (OTCQB:FMCC), is expected to announce its decision on the type of credit score this week. that state-sponsored companies need when buying mortgages. For years, Fannie (OTCQB:FNMA) and Freddie (OTCQB:FMCC) have required a standard FICO […]

Credit score

How do personal loans affect credit score? – Advisor Forbes INDIA

A personal loan is a very popular type of loan due to its variety of uses and relatively easy availability. It’s a great option for financing unforeseen financial needs (or emergencies), given that it doesn’t require any collateral or collateral and the approval process is easier compared to other loans. Given its popularity, most lenders […]

Credit report

Find out why your credit report shows a loan you don’t remember taking out

Web-exclusive Loans can be granted to you both legally and fraudulently. So if there is a suspicious entry in your credit report, get to the bottom of it immediately. TopicsPersonal loans | Credit card loans | RBI After a recent monetary policy review, Reserve Bank of India Governor Shaktikanta Das said the apex bank […]

Credit report

CFPB sues TransUnion for monitoring credit reports

The Consumer Financial Protection Bureau announced that it has sued TransUnion and its subsidiaries, alleging deceptive marketing to consumers seeking a free credit report. The CFPB accuses TransUnion of “deceptive digital dark schemes” to take advantage of consumers who sought out a free credit report and then tricked them into signing up for expensive credit […]

Credit score

Martin Lewis advises you what to do if your credit score drops

Martin Lewis explained what it means when your credit score has dropped. The finance guru reassured cardholders that it might not be as damaging as they might think, in a video posted to MoneySavingExpert’s YouTube channel. Explaining what a credit score is, Martin said: “In the UK you don’t have a credit score. There is […]

Credit report

FTC Finalizes Order Against Credit Report Provider for UDAP Violations

On April 7, the FTC finalized a Ordered against a respondent company credit reporting provider to settle allegations that the respondent engaged in deceptive and unfair practices by failing to provide companies with a clear, consistent and reliable process to correct errors in their credit reports, even though the respondent sold products to these companies […]

Credit score

Major credit bureau sued for ‘cheating Americans into credit score subscription plans’

The Consumer Financial Protection Bureau (CFPB) has announced that it is suing TransUnion, one of the three major credit bureaus in the United States, for allegedly duping consumers into recurring payments. In the lawsuit, the CFPB alleges that TransUnion engaged in deceptive practices. 1 TransUnion allegedly defrauded consumers for profit, says CFPB The CFPB says […]

Credit report

Russian-backed Indian refiner struggles to secure trade credit: Report | Business and Economics News

Indian bank HDFC and some foreign banks have stopped offering trade credit for oil imports to Nayara Energy, a Russian-backed refiner, and some suppliers are asking for payment up front to avoid potential problems from sanctions against Moscow, Reuters reported, citing four banks. and industry sources. Nayara was not sanctioned as part of the international […]

Credit report

Credit report complaints jumped in 2021 | Business

Camila Pedrosa Cronkite News The pandemic has forced Arizonans to do a lot of things they might not have done before, like knowing their credit reports better than ever. Arizonans went from filing 6,600 complaints with the Consumer Financial Protection Bureau in 2020 to nearly 8,000 the following year, the most record. And nearly half […]

Credit score

I’m shopping for mortgage rates – will my credit score go down?

ijeab / Getty Images / iStockphoto Even the smallest difference in your interest rate can save you money over time, so it pays to shop around for competitive mortgage rates from different lenders. See: 7 financial habits that improve your daily lifeCompare: 20 Home Renovations That Will Hurt Your Home’s Value However, each lender will […]

Credit report

What to know if you have medical debt on your credit report – NBC 5 Dallas-Fort Worth

According to the Consumer Financial Protection Bureau to research, there was $88 billion in medical debt on consumer credit files last June. COVID-19 didn’t help. Read on to find out what consumers should know about changes to how medical debt collection debt is reported. MODIFICATIONS TO THE DECLARATION OF DEBTS PAID Equifax, Experian and TransUnion […]

Credit score

How a good credit score means good financial health

World Health Day is celebrated to raise awareness of good health and well-being. But it’s also the perfect time to examine your financial health. Indeed, financial planning has become very imperative, especially after the Covid-19 outbreak. In today’s changing times, staying financially prepared is key to weathering all sorts of uncertainties and ensuring a secure […]

Credit report

Your medical debt could soon disappear from your credit report

Image source: Getty Images Talk about good news for patients. Key points Outstanding medical debt could lead to a lower credit score. Soon, that may not be an issue for many consumers thanks to an advance ruling from the three major credit bureaus. Medical debt is a problem that many consumers face. This includes those […]

Credit score

4 Ways to Boost Your Credit Score in 30 Days

Credit scores can impact your interest rates, insurance premiums, and even your utility bills. Although you can’t improve your score overnight, you can take steps to increase it in 30 days. You can dispute errors, avoid applying for new lines of credit, make large payments, etc. Learn more about Personal Finance Insider. Loading Something is […]

Credit report

What is the difference between your credit score, your credit report and your credit report?

If you’ve ever applied for a loan or a credit card, you’ve probably come across the terms credit score and credit report. But have you ever wondered how these two are different from each other? You may also have heard of what is called a credit report, which is sometimes loosely used to describe your […]

Credit report

3 Confusing Terms on Your Credit Report You Can’t Afford Not to Know

Confusing words can discourage some people from trying to understand their credit report. The term “authorized user” applies to children, partners or friends who are added to your account. People are also confused by the term “secured credit”, which is credit secured by collateral, such as a house or a car. Read more stories from […]

Credit score

What is the highest credit rating?

A high credit score is a good thing to have. But what is the highest credit score, and is achieving it a realistic goal? More importantly, is it a goal worth pursuing? What is the highest possible credit rating? FICO and VantageScore, the two best-known credit scoring products, both use scales ranging from 300 to […]