Average credit is a stepping stone to good credit, which can lead to an excellent credit score down the line. While a fair and average credit score is better than having no credit or bad credit ...

To maintain a healthy credit score, it's important to keep your credit utilization rate (CUR) low. The general rule of thumb has been that you don't want your CUR to exceed 30%, but increasingly ...

Key Points Dave Ramsey said you do not need a credit score to thrive. Ramsey is right, but only if you never intend to borrow ...

A credit score is a number that indicates your creditworthiness. Lenders and others, such as landlords and utility companies, check your credit score. The higher your credit score, the better ...