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How to get your free credit reports and scores

Keeping track of your credit health is a critical part of responsible personal finance and can save money over time. Thankfully, it’s never been easier to get free credit report details and free credit scores online. Here are your best options.

How to improve your credit, step by step

With some strategic moves, like targeting any collections owed, lowering your credit utilization ratio, and using your utility bills as a credit-building tool, your score will start climbing.

When do you need to file bankruptcy?

Bankruptcy is designed to give people a fresh start when they need one, but it is a last resort. Here’s everything you need to know about filing for bankruptcy.

How long does it take to build credit from nothing?

Starting with zero credit history, you can establish credit in as little as six months. Achieving a “good” credit score of 700 or better usually requires making timely payments for at least 18 months to two years, but it’s possible to find shortcuts.

Should you ever pay a credit card annual fee?

Paying for a credit card may be worth it if the card fits your existing lifestyle and rewards you significantly more than a no-fee card. But the latter are so competitive, generous, and perk-filled that most people will be perfectly happy with a no-fee card.

Loan Payoff Calculator

Calculate your monthly loan payment for a given term or how long it will take you to repay a loan with a given monthly payment.