I've seen folks raise their scores by 50+ points in just a few months, without doing anything fancy. They just learned which factors affected their score most, and focused on improving those areas.

According to Experian data, the average credit score for Americans in 2023 was 715, and 71.3% had a good credit score. With inflation bringing up the prices of everyday expenses for the last few years ...

Before 1980, student debt was the exception, not the rule. In 1978, Congress expanded federal student loans to all college students, regardless of income. When those first newly eligible students ...

As the use of these easy-credit installment loans has grown, FICO said repayment data would provide more insight on consumers’ credit readiness. By Kailyn Rhone How consumers use “buy now, pay later” ...

But the modern era of easy credit really began with the deregulation of the late 1970s. In a 1978 Supreme Court decision, banks won the right to charge the interest rate their home state allowed and ...