Your credit score is a number that illustrates how you’ve managed repayments to lenders and paying bills to other organisations in the past. When you apply for credit, a lender usually calculates your ...

Zina Kumok is a freelance personal finance writer based in Indianapolis. She paid off her own student loans in three years. She also offers one-on-one financial coaching sessions at ConsciousCoins.com ...

A credit reference is used by lenders to determine your creditworthiness. You might need a credit reference in a variety of circumstances, like when applying for a credit card, renting an apartment or ...

A credit check, or credit search, gives a company access to information about you from your credit report to help them understand how well you manage your finances. Your credit report is a record held ...

Not only is it important to regularly check your credit report to monitor your credit health, but it also can be even more critical so you can catch any errors or potential fraud. If you find any ...

Trade references are an essential component for lenders and business-to-business suppliers who must decide whether to extend credit to the applicant. These references are typically in addition to a ...

Regularly monitoring your credit reports and scores can be an important part of managing your finances. However, some people worry that they’ll be punished for checking their credit. Fear not.