myHorizon Articles
Credit Score Facts: What Is the Average American’s Credit Score?
We’re a nation that runs on ideas, innovation, hard work, and lots of credit. With that in mind, many people may wonder what the average American’s credit score looks like. Well, it’s not so...
How Getting a Credit Card Can Improve Your FICO Score
Got financial goals such as purchasing a new car or a home but have a credit score that’s standing in the way? Well, opening and maintaining a credit card account can improve your FICO...
How Lenders Evaluate Your Creditworthiness
When applying for a loan, your creditworthiness must be evaluated by the lender. The lender will look at a number of factors before extending any credit to you. Let’s take a look at a few of those...
What Is Credit Utilization and How Does It Impact My Credit?
Credit utilization is one of the most important factors in determining your credit score. For lenders, how you utilize credit can be a good indicator of how well you manage any loan they give you....
Four Important Dates and What They Mean To Your Credit Score
For most, reviewing a credit report can feel like trying to decipher an ancient language. One of the things that may feel confusing is all the dates reported on your credit report. Let’s take a...
Identify Theft: What to Do When It Happens To You
Identity theft is the number one consumer complaint in 2015, according to the Federal Trade Commission (FTC). Millions of Americans have found themselves facing down identity theft that threatens to...
How Does Getting Married Affect My Credit?
Getting married is a huge life decision, so it’s natural to have concerns about how marriage and your spouse’s financial history will impact your finances. Let’s explore some of the facts about...
Simple Credit Rules to Help You Get the Credit You Want
Whether we like it or not credit is an integral part of our society. If you want to succeed financially, you need to have a strong credit score and credit history so that you can get the credit you...
How Identity Theft Affects Your Credit
Identity theft is on the rise. Each year millions of Americans are the victims of thieves who do serious damage to their financial life. But how does identity theft affect your credit? Let’s take a...
How Does Your Spouse Affect your Credit?
Many trying to get and keep good credit are scared of marrying someone with credit that’s less than pristine. Well, fortunately, you can breathe a sigh of relief—marrying someone with bad credit...