Most Common Credit Score FAQs

Should I pay off my credit cards in full or maintain a balance to improve my credit score?

Is it possible to improve my credit score if I have public records and/or collection accounts by removing late payments?

What does it mean to have a bankruptcy discharge?

Why did a lender reject my loan application even though my FICO score exceeded their minimum requirement?

Is it advisable to avoid speaking with collection agents on the phone and instead send a written letter to the agency’s mailing address to resolve the issue and stop further contact?