Learn what a credit history is, how it affects your credit score and report, and tips for improving it. Unlock better loan rates by mastering your credit history.

Your bank app may let you check your credit score for free. But how is that different from your credit report? They are both measures of your financial health, but your score is a three-digit number ...

Sean Messier is a personal finance writer with a focus on credit. He’s written for Credit Card Insider, plus several other national and global brands. kyonntra / Getty Images About half of U.S.

Consumer debt continues to rise in 2025, providing no relief for cash-strapped Americans. Total nonhousing household debt exceeded $3.75 trillion in the second quarter of 2025, according to recent ...

It doesn't require a credit check, reports to major credit bureaus and lets you 'game' your way to better benefits. But it's missing some key features and isn't free to hold. Many or all of the ...