Mortgage Rate Shopping: How Multiple Applications Affect Your Credit Score Learn how to shop for the best mortgage rates without hurting your credit score with multiple inquiries for a new credit lines or loan. Should You Pay Off an Old Debt with a Collections Agency? Find out whether it is a good idea to pay off an old debt held by a collections agency because there are situations when you are no longer legally responsible. Equifax Data Breach Settlement: How to Claim Up to $20,000 for Damage to Your Credit Learn how to file a claim for damages to your credit from the Equifax data breach settlement - credit monitoring services and repairs after identity theft. How to Rebuild Your Credit Score After Bankruptcy Learn about what you can use to rebuild a good credit score after bankruptcy and how to ensure that you‘ll be able to borrow again in the future. How Your Credit Score Affects Your Car Insurance Premiums Find out how your credit score affects the cost of your car insurance coverage. Learn about the different insurance-based credit scores that insurers use to calculate your insurance premiums. See the ways that you can improve your credit score and that you should go about getting cheaper car insurance. Good Credit May Be Required When Applying for a Green Card With the Department of Homeland Security proposing a new rule for permanent resident status, learn how credit scores matter when applying for a green card. Can You Lease a Smartphone with No Credit or Bad Credit? Find out how you can lease an expensive smartphone even when you have no credit or bad credit. See which mobile carriers are best for those without good credit. 4 Reasons I Turned Down a Store Credit Card, Despite Being Offered a Huge Discount If you're trying to save more on holiday shopping, there are a few things you should think about before getting a store credit card to snag a big discount. What to Know About the Discover Free FICO Score Program Find out whether you should use the free FICO score program from Discover. Learn how it works, who can use it, and what it costs. When is it Okay to Take a Hit to Your Credit Score? Find out when it is appropriate to let your credit score take a hit and drop a little bit because it serves a valuable financial purpose. How to Get Approved for a Mortgage With Two Different Credit Scores Find out what you can do when you're seeking a joint mortgage for a home purchase and you or your joint applicant has a bad credit score. How to Start Building Good Credit as An Immigrant As a U.S. immigrant, learn how you can obtain your first line of credit so that you can begin building a good credit score for key loans in the future. How Pay for Delete Works and Should You Ask for It? Learn how to use the pay-for-delete method to remove a damaging debt collections remark on your personal credit report -- lowering your credit risk for lenders. Can a Gym Ruin Your Credit Due to Unpaid Membership Fees? Find out whether your gym can ruin your credit if you do not pay membership fees. Learn how an account sent to a debt collection agency can affect your credit. What's a Good Credit Score For a College Student? Find out what is considered a good credit score for a college student who wants to ensure that they're a low borrowing risk as they enter adult life. Learn what goes into calculating credit scores to understand how students should manage their debt correctly. See which credit cards are best for college students to build credit.