Skip to content
Upgrade Logo
Upgrade Logo
Upgrade Logo
Upgrade Logo
Upgrade Logo
Upgrade Logo
Personal Loans
All Personal Loans
Refinance Credit Cards
Debt Consolidation
Home Improvement
Major Purchase
Unexpected Expense
Upgrade Cards
All Upgrade Cards
Cash Rewards
Life Rewards
Upgrade Select
OneCard
Savings
Checking
Rewards Checking Preferred
ATM Network
Flex Pay
How it Works
Our Partners
Become a partner
Credit Health
Credit Health Monitoring
Credit Health & Insights
Help
Sign In
Sign In
Credit Health and Money Insights
Money tips for everyday life
Back to All Articles
Credit Health
Unlock your full credit potential
Tips and tools to help you nurture your credit score and keep your credit health on track
5 Factors That Affect Your Credit Score
5 min read
700 Credit Score: Is It Good or Bad?
4 min read
What Is a Cash Advance?
5 min read
How to Fix an Error on Your Credit Report
3 min read
5 Pitfalls That Can Hurt Your Credit Score
6 min read
6 Ways for Young Professionals to Build Credit
6 min read
12 Better Money Habits to Boost Your Credit Score
5 min read
Beyond Your Credit Report: What Else Do Lenders Consider?
7 min read
Everything You Need to Know About Credit Utilization Ratio
6 min read
Does Applying For Credit Affect Your Credit Score?
6 min read
Does Checking Your Credit Score Lower It?
5 min read
What Is an Excellent or Perfect Credit Score?
4 min read
Why It’s Time to Consolidate Your Credit Card Debt
5 min read
Where Do I Get My Credit Report?
5 min read
Soft Inquiry vs Hard Inquiry: What’s the Difference and Why It Matters
3 min read
How Late Payments Impact your Credit
5 min read
How Long Does Information Stay on My Credit Report?
7 min read
How to Build Credit History (Even If You're Starting From Scratch)
6 min read
How to Protect Yourself From Identity Theft and Credit Card Fraud
8 min read
Maintaining Good Credit In Times Of Inflation
8 min read
Improve Your Credit Score Fast With a Quick Start Budget
6 min read
How to Rebuild Credit After A Few Slip-Ups
7 min read
The High Cost of Having Bad Credit
8 min read
Watch Out For These Credit Report Errors!
5 min read
What Is a Good Credit Score?
9 min read
What To Do if You Are Declined for Credit
9 min read
The Complete Guide to Understanding and Improving Your Credit Score
19 min read
Your Credit During a Pandemic or Other Uncertain Times
6 min read
Top 5 Credit Score Myths Debunked
6 min read
Credit Score vs. Credit Report: What's the Difference?
6 min read
What Credit Score is Needed to Buy a House?
8 min read
6 Common Mistakes that Can Impact Your Credit Score
5 min read
6 Habits of People with Good Credit Scores
7 min read
Credit Scores 101: How Your Credit Score is Calculated
4 min read
Why Your Credit Score Matters
6 min read
Read more by topic
Credit Health
Smart Money
Credit Cards
Personal Loans
Managing Debt