When you’re applying for a loan, credit card or lease, knowing the difference between your credit score and credit report can give you some insight into how your lender or landlord views you from a ...

A USDA loan does not have a minimum credit score set by the federal agency, but lenders may require a score of at least 580 ...

In July 2025, the Federal Housing Finance Agency (FHFA) adopted the use of VantageScore 4.0 in addition to Classic FICO. 1 This study analyzes the impact of introducing a dual credit score ...

For more than a decade, Americans watched their credit scores climb steadily upward, a reassuring sign of improving financial health following the Great Recession. However, it appears the streak has ...

Drivers with good credit pay about 43% less for car insurance compared to people with poor credit. Stronger credit can help you qualify for lower security deposits and better rental terms. Premium ...

FICO’s inaugural Credit Insights report shows U.S. credit scores dipping as inflation and student loan payments weigh on consumers. Gen Z faces the steepest declines, with student loan debt driving ...

The average U.S. credit score slipped nationwide, largely due to the resumption of federal student loan delinquency reporting on U.S. consumers’ credit reports, according to FICO. The scoring agency ...

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...

A zero balance credit card can impact your credit score, and here’s why. (iStock) Too many financial consumers don’t understand their credit scores, and that’s a scenario that can lead to negative ...

The growing debt load carried by U.S. consumers is ringing alarm bells from Main Street to Wall Street. Data released this week by WalletHub paints a sobering picture of American credit health, with ...