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Credit Education , Credit Score - 6 mins read

The Big Five Factors That Shape Your Credit Score

Understanding how credit works can seem complicated, but it really comes down to five simple factors. In this week's Credit Conversations, we caught up with John Simpson, CEO of RentReporters, to talk through the Big Five factors that shape every credit score and how to make them work in your…

Iman Palizi , Student Account Manager

Credit Education , Credit Score , Personal Finance , RentReporters Community - 5 mins read

Credit Tips for Young Adults: Lessons from RentReporters CEO

Building credit is one of the most important financial steps a young adult can take. But getting started isn't always easy, especially when there's little or no payment history to show lenders. To shed light on this challenge, we sat down with John Simpson, CEO of RentReporters. Drawing on both…

Iman Palizi , Student Account Manager

Credit Score , News and Press Release - 4 mins read

Court Ruling Keeps Medical Debt on Credit Reports

Medical debt will continue to appear on credit reports, following a recent federal court decision that blocked efforts to remove it. Earlier this year, the Consumer Financial Protection Bureau (CFPB) introduced a rule to eliminate medical collections from credit files, citing concerns over accuracy and fairness. But on July 11,…

Iman Palizi , Student Account Manager

Credit Score , Personal Finance - 4 mins read

Buy Now, Pay Later Is Coming to Your Credit Report

Buy Now, Pay Later (BNPL) services, offered by companies like Affirm, Klarna, and Afterpay, have become a popular way to spread out payments on purchases. These short-term loans allow customers to split payments over several weeks, often with no interest. While BNPL has made shopping more flexible, it’s now becoming…

Iman Palizi , Student Account Manager

Credit Score - 5 mins read

Credit Score Changes as Student Loan Payments Resume

Federal student loan payments are back after a multi-year pause, and for millions of borrowers this could mean major changes to their credit scores. According to a new analysis by VantageScore, some borrowers will benefit from resumed payments, while others may experience significant declines in their scores. With more than…

Iman Palizi , Student Account Manager

Credit Score - 4 mins read

Credit Scores At Every Age: How Do You Measure Up?

Based on Experian’s latest data for Q2 2023, the average American credit score is a solid 716—and, when broken down by generation, scores stay in that ballpark. What’s the bottom line? The majority of Americans are pretty good at managing their credit. How do you compare to your peers? Let's…

Jessie Quinn , Student Account Manager

Credit Education , Credit Report , Credit Score - 5 mins read

What’s The Difference Between Credit Scores and Credit Reports?

Credit scores and credit reports are essential in qualifying for everything from credit cards to apartment rentals and auto lending. However, you may be shocked to find out that there's a difference between a credit score and a credit report. It all may sound very similar, but the truth is…

Stephany Lamas , Student Account Manager

Credit Education , Credit Score - 7 mins read

What Does it Mean if You’re Credit Unscorable?

About 45 million American consumers – maybe even you – are classified as credit unscorable. In other words, you have a limited or thin credit file, which means you have no credit score and credit agencies aren’t able to determine your credit risk. What does that mean? Quite simply, you’re…

RentReporters , Student Account Manager

Credit Score - 8 mins read

10 Credit Score Myths You Can’t Afford to Believe

You probably have a general idea of how to get a good credit score – like by paying your bills on time, avoiding excessive debt, and not applying for too many credit cards. But there are a lot of credit myths out there that can prevent you from maximizing your…

RentReporters , Student Account Manager

Credit Education , Credit Score - 18 mins read

7 Unusual Ways To Build Credit Without Your Own Credit Card

Yes, it's true, you CAN build your credit score without your own credit card. If you already have a car loan or your cell phone line, you'll have to get creative if you want to build your score without using your own credit card. Luckily, we have some ideas for…