by Ralph I’m 16 and I want to get car. I probably have no credit history, but i’m not sure. Bad credit is much worse by: Tracy You ask two questions. Considering your age, you probably don’t have credit history …

What’s worse – no credit history or bad credit? Read more »

by Bruce What will lower my FICO more? Is filing foreclosure just as bad as filing bankruptcy? How is it compared to defaulting on your credit card bills? How long does each of them remains on you credit report? Can …

What’s worse to my FICO – foreclosure or bankruptcy? Read more »

by Frank My vantage score had just dropped from 895 to 885. The only thing that changed from previous months is that I showed a balance of ~$250 on one of my credit cards (previous months balance was zero) My …

Why did my VantageScore drop 10 points? Read more »