No Credit History? How to Build a Stellar Credit Score from Day One Table of Contents Quick Hits (Your Credit-Building Blueprint!) Zero credit history means no score yet. Start building in 3–6 months; hit “good” credit (670+) in 12–24 months. Use secured cards, authorized user status, or credit builder loans to kick things off. Keep utilization <10%, pay on time,
Why Is My Credit Score Low Despite Paying on Time? 8 Reasons & Fixes Table of Contents Quick Hits (Your Credit Score Rescue Plan!) Payment history is only 35% of your credit score other factors can drag it down. High utilization, short history, limited credit mix, or inquiries are common culprits. Credit report errors or a thin file might be
Do Multiple Loan Inquiries Hurt Your Credit Score? The Real Truth Table of Contents Quick Hits (Your Inquiry Survival Guide!) Hard inquiries can ding your credit score by 5–10 points, but the hit’s temporary. The 45-day shopping window groups same-type loan inquiries (auto, mortgage, student) as one. Soft inquiries (like pre-qualifications) have zero impact on your score. Multiple inquiries for
How to Protect Your Credit During a Divorce: Your Ultimate Survival Guide Table of Contents Quick Hits (Your Credit Protection Cheat Sheet!) Divorce can tank your credit score by 50–130 points—73% of people take a hit. Joint accounts, missed payments, and emotional spending are the culprits. Key moves: Close joint accounts, monitor credit, build solo credit. Start today to
How to Protect Your Credit During a Divorce: Your Ultimate Survival Guide Table of Contents Quick Hits (Your Credit Protection Cheat Sheet!) Divorce can tank your credit score by 50–130 points—73% of people take a hit. Joint accounts, missed payments, and emotional spending are the culprits. Key moves: Close joint accounts, monitor credit, build solo credit. Start today to dodge
What Is Personal Financial Planning? Your Guide to Making Money Work Hard Table of Contents Quick Hits (Money Moves in a Nutshell!) Personal financial planning is your roadmap to manage money and hit life goals. Covers six key areas: net worth, cash flow, retirement, education, big purchases, and protection. Anyone can start—rich or not, math whiz or not. Dodge
