Payment history is the most critical component of all credit scoring models, especially of FICO’s. Even if you pay just the bill’s minimum balance every month, your credit can reach excellent standing as long as you are punctual. Naturally, a missed payment can hurt your credit badly. A single bill that is 30 days past

Gaining authorized-user status on someone else’s credit card can be beneficial in increasing your FICO scores in Utah. If you have a thin file, you can become more creditworthy over time if the primary account holder has a positive payment history and an old credit card and maintains low credit utilization consistently. While being an

People hit rock bottom in their lives in different ways. Filing for bankruptcy is one of those instances. The unfortunate reality that money does not grow on trees is a reality that a lot of people face. Some, however, are pushed down deeper in the pit of debt and money problems than others. Filing for