Still, 44% of BNPL users worry about how these loans could affect their credit score — and with good reason. Credit scoring ...

A credit score is shaped by payment history, credit utilisation, credit mix and inquiries, with disciplined borrowing and timely repayments helping maintain strong creditworthiness in today’s ...

Learn about the evolving rules of credit scores and effective strategies to improve your credit score from Bonita Grant, founder of Cure My Credit Score.

A credit card closure can alter the credit mix, reduce credit ageing, increase the credit utilisation ratio, or halt the ...

Closing your oldest credit card can trigger a drop in your credit score for reasons most people never see coming.

A credit score determines your loan eligibility and interest rates. Learn what affects your credit score, why lenders check ...

One of the biggest misconceptions is that paying minimum dues is enough to keep cards healthy. In reality, using too much of ...

Your credit score is influenced by the variety of credit products you hold. This balance between secured credit, such as home ...

“If you’ve got a low score but you have strong income and a good loan-to-value ratio, you can get refinanced,” Goodall said. Most lenders cap loan amounts at 125% of a car’s value. If your car is ...