You don’t start with a credit score at all. That’s right — if you’ve never had a credit account reported to the major credit bureaus, you don’t have a score yet. Credit scores aren’t automatic, ...

As the new year begins, many people are thinking about a financial reset button. Building a budget, starting to save, or understanding how credit works can start with taking small steps that lead to ...

Your current credit score is the starting point for your journey toward building credit or restoring it after a setback. The next step is understanding how the way you handle your finances affects ...