The credit score that matters the most is the score that your potential lender is using to determine your creditworthiness.

California prohibits the use of credit history to reject applicants with housing assistance without considering pay stubs and other alternatives.

Americans looking to pay down their debt in the new year are facing a stagnant job market, sticky inflation and an uncertain Fed policy. Still, there are ways they can take control of their borrowing ...

Credit coaching and modern credit tools give loan officers a powerful advantage by turning uncertain borrowers into qualified ...

With average credit card APRs now near 24% and total card balances at record highs, plastic has quietly become one of the ...

Still, 44% of BNPL users worry about how these loans could affect their credit score — and with good reason. Credit scoring agencies are beginning to factor BNPL payment history into their models.

NEW YORK (AP) — The Federal Reserve cut its benchmark interest rate by a quarter point Wednesday for the third time since ...

(THE CONVERSATION) With the cost of borrowing money to buy a home or a car inching ever higher, understanding who gets access to credit, and at what interest rate, is more important for borrowers’ ...

New credit scoring models rolling out across the mortgage industry could dramatically increase the number of Americans who receive a credit score — but experts warn that borrowers shouldn’t confuse a ...

The credit score that helps determine the biggest financial decision in most Americans’ life—their mortgage—is controlled by an exclusive club. In July, Bill Pulte, who leads the Federal Housing ...