Refinancing can improve your score with the right timing

Beware of debt buyers reporting the same debt twice

Monitor for duplicate or outdated accounts

Understand how deferred payments are classified

Soft pulls don’t hurt your score but can still reveal info

Your credit journey is affected by both use and time

Marcus Goldman Sachs: Chech everything you need to know

Be cautious of sudden credit limit increases

Balance transfer offers can backfire if misused

Upstart Medical Loan: Chech everything you need to know

Westpac Personal Loan: Chech everything you need to know

Tesco Bank Car Loan: Chech everything you need to know

Sofi Graduate Student Loan: Chech everything you need to know

How to prepare your credit before a mortgage application

Bank of Ireland Home Improvement: Chech everything you need to know

Utilization ratios should be managed account-by-account

Halifax Debt Consolidation Loan: Chech everything you need to know

AIB Bank Personal Loan: Chech everything you need to know

Debt-to-income isn’t a credit score factor—but it matters

Keep your oldest account open whenever possible

Lenders may see different versions of your credit file