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Home Credit 101 (8)
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How many credit cards should I have?
Credit 101

How many credit cards should I have?

How many credit cards should you have? The answer depends on your unique circumstances. Read on to learn more about how many credit cards is too many.
Lexington Law
October 13, 2025
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20 credit myths you shouldn’t fall for
Credit 101
20 credit myths you shouldn’t fall for

October 06, 2025
What is the best way to pay off debt?
Credit 101
What is the best way to pay off debt?

June 30, 2025
What is a good credit score and how can you get one?
Credit 101
What is a good credit score and how can you get one?

June 15, 2025

All blog posts

What’s a good credit score? A guide to credit score ranges
Credit 101
What’s a good credit score? A guide to credit score ranges

The typical credit score range is between 300 and 850, and the range is broken down into poor, fair, good, very good and exceptional scores.

Sarah Raja

February 26, 2024
VantageScore vs. FICO score: How are they different?
Credit 101
VantageScore vs. FICO score: How are they different?

When comparing VantageScore vs. FICO scores, you’ll notice many differences. For example, each model uses slightly different factors to determine scores.

Sarah Raja

February 08, 2024
What is a credit builder loan?
Credit 101
What is a credit builder loan?

A credit builder loan helps people with limited or poor credit history build credit. Read on to determine if credit builder loans may be right for you.

Alexis Peacock | Supervising Attorney

February 06, 2024
What is a cash advance and how does it work?
Credit 101
What is a cash advance and how does it work?

If you’re wondering “what is a cash advance,” here’s a simple explanation. Cash advances let you borrow funds against your credit limit, often for a fee.

Nature Lewis

February 06, 2024
What is credit mix and how much does it impact credit?
Credit 101
What is credit mix and how much does it impact credit?

Credit mix refers to the different types of credit accounts a person has open at any given time. Managing a range of accounts can improve your credit.

Sarah Raja

February 05, 2024
Does getting denied for a credit card hurt your credit score?
Credit 101
Does getting denied for a credit card hurt your credit score?

Although getting denied on a credit card application doesn’t impact your score, the hard inquiry from applying may temporarily hurt your credit.

Sarah Raja

January 18, 2024
What is a credit limit and which factors affect it?
Credit 101
What is a credit limit and which factors affect it?

A credit limit gauges the amount of money a person can borrow from a financial institution. Many factors can affect your credit limit positively and negatively.

Brittany Sifontes | Supervising Attorney

January 12, 2024
What is a credit utilization ratio? + How to improve it
Credit 101
What is a credit utilization ratio? + How to improve it

Your credit utilization can have a major impact on your credit health. Read on to learn what credit utilization is, how to calculate it and how to improve it.

Nature Lewis

January 08, 2024
What does insufficient credit history mean?
Credit 101
What does insufficient credit history mean?

What does insufficient credit history mean? Read on to discover its implications, why it matters and how to fix bad credit history with good credit habits.

Vince R. Mayr

January 05, 2024
Why did my credit score drop after paying off debt?
Credit 101
Why did my credit score drop after paying off debt?

Your credit score may have dropped after paying off debt due to a decrease in your credit age, a decrease in your credit mix or an increase in your utilization.

Brittany Sifontes | Supervising Attorney

January 05, 2024