What is the most commonly misunderstood aspect of every American’s life? I’ll give you a hint, it’s not the opposite sex; it’s their credit report. And rightfully so, the credit bureaus don’t exactly make their modus operandi public. In fact, the actual formulas used to calculate your credit report are closely guarded secrets of each [...]

Your credit score is determined on a variety of factors. The pie chart below is from Fair Isaac Corp., and it lays out the basic weighting system used to determine the score. So, what, exactly can you do to improve your score? The answer to that isn’t as straightforward as you may think.
Quick Fixes
First, pay [...]