Credit Health Insights
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Credit Health Insights – Upgrade

Credit Health Articles

Welcome to Upgrade’s Credit Health Insights

Welcome to Upgrade’s Credit Health Insights

Making sound financial decisions is sometimes intuitive and straightforward, like paying bills on time and being responsible about not spending...

The Complete Guide to Understanding and Improving Your Credit Score

The Complete Guide to Understanding and Improving Your Credit Score

Your credit health plays a big role in your financial future. Strong credit health can help you qualify for loans...

Credit Basics: Credit Score vs. Credit Report and More

Credit Basics: Credit Score vs. Credit Report and More

Did you know that your credit score is one of the most important numbers that impacts your financial future? A...

5 Tips on How to Get an Excellent Credit Score

5 Tips on How to Get an Excellent Credit Score

Having an excellent credit score can save you a lot of money in interest over time. If your score is...

Does Applying For Credit Affect Your Credit Score?

Does Applying For Credit Affect Your Credit Score?

You may have heard that applying for credit can affect your credit score, but you might not know exactly what...

Top 5 Credit Score Myths Debunked

Top 5 Credit Score Myths Debunked

It can be tricky to figure out how credit scores work. There’s a lot of conflicting information and even well-intentioned...

Why Your Credit Score Matters

Why Your Credit Score Matters

You may think that your credit score only matters when you’re applying for a new credit card or a loan,...

Top 5 Factors That Affect Your Credit Score

Top 5 Factors That Affect Your Credit Score

Your credit score is the key metric that sums up your credit health, yet many people don’t realize they could’ve...

4 Common Credit Card Transactions That Impact Your Credit Score

4 Common Credit Card Transactions That Impact Your Credit Score

Chances are you have at least one credit card—nearly 80% of American adults do—and you already know that credit cards impact...

How to Rebuild Credit After A Few Slip-Ups

How to Rebuild Credit After A Few Slip-Ups

Nobody is perfect! If you’ve made a debt-related mistake (or several), you’re probably wondering how to fix your credit and...

Credit Utilization Ratio: How it Works & How to Improve It

Credit Utilization Ratio: How it Works & How to Improve It

Credit Utilization Ratio and Credit Scores Credit utilization ratio is a key factor in determining your credit score, so it’s...

How to Pay Off Debt Quickly

How to Pay Off Debt Quickly

If you’re trying to manage a heavy debt load, you’re not alone. According to a Northwestern Study, Americans owe an...

The Difference Between Revolving Debt and Installment Debt

The Difference Between Revolving Debt and Installment Debt

If you’re familiar with credit score basics, you already know that payment history is a major factor in your score....

12 Better Money Habits to Boost Your Credit Score

12 Better Money Habits to Boost Your Credit Score

Striving to keep your debt in check, stick to a budget, and increase your credit score? A focus on building...

Credit Scores 101: How Your Credit Score is Calculated

Credit Scores 101: How Your Credit Score is Calculated

There are approximately 220 million consumers with credit reports in the United States, and approximately 36 billion pieces of credit...

Improve Your Credit Score Fast With a Quick Start Budget

Improve Your Credit Score Fast With a Quick Start Budget

If you’re striving to improve your credit score and overall financial health, a solid budget is an essential tool. A...

Personal Loan vs Credit Card: Which is Right for You?

Personal Loan vs Credit Card: Which is Right for You?

When you need to borrow money to consolidate debt or cover an expense, there are a few tried and true...

Where Do I Get My Credit Report?

Where Do I Get My Credit Report?

Checking your credit score regularly and reviewing your credit report annually are good habits that will help you stay on...

How to Fix an Error on Your Credit Report

How to Fix an Error on Your Credit Report

Checking your credit score regularly and reviewing your credit report annually are two key things that can help you maintain...

Beyond Your Credit Report: What Else do Lenders Consider?

Beyond Your Credit Report: What Else do Lenders Consider?

We all know lenders look at our credit score and information from our credit report when deciding whether to lend...

How Will Getting Married Affect My Credit?

How Will Getting Married Affect My Credit?

There’s no formula for the perfect marriage, however, studies show that the higher a person’s credit score is when a...

How to Build Credit from Scratch

How to Build Credit from Scratch

Building a credit history from scratch can be a bit of a Catch-22: you need to have a credit card...

How to Protect Yourself From Identity Theft and Credit Card Fraud

How to Protect Yourself From Identity Theft and Credit Card Fraud

In 2016, fraudsters hit a record 15.4 million Americans — up 16 percent from 2015.1 More personal and financial data...

What Credit Score is Needed to Buy a House?

What Credit Score is Needed to Buy a House?

If you’re in the market to buy a house, there’s more to think about than how many bedrooms you need...

5 Reasons to Get a Personal Loan

5 Reasons to Get a Personal Loan

Gone are the days when you meet your banker, fill out a long application and wait weeks to see if...

Credit Health Videos

Get to Know Your Credit Score

Your credit health plays a big role in your financial future. Watch to learn why your credit score is important...

How To Improve Your Credit Score

The better your credit score, the more you can do in life. Watch to learn the key factors that can...

How to Pay Down Debt

The key to paying debt down as quickly as possible is devising a solid plan and sticking to it.  Watch to...

How to Calculate Your Credit Card Utilization Ratio

Credit utilization ratio is a key factor in determining your credit score, so it’s crucial to understand how it works....

Beyond Your Credit Score

Lenders look at your credit score and information from your credit report when deciding whether to lend you money, but...