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...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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