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Monthly myFICO Forums: Time to Chill Out Your Debt


Don't let your debt overheat your summer. It's time to cool off your spending and join in as forum members discuss everything from the best way to pay your credit card bills to dating someone who handles their finances irresponsibly. Don't forget to take a look at our blog for even more insights!   How will paying off my credit cards affect my credit? I was wondering how influential revolving debt is to your FICO Score. What happens when you pay all of your credit cards down to under 10% of your credit limits? Is it better to bring it down over a few months or as soon as possible? Does it even make a difference? What's the best way to pay my delinquent medical bills? I just found out I have an account in collection on my credit report due to an unpaid … [Read more...]

Monthly myFICO Forums: Beat the Heat with a Financial Retreat


Summer is finally here and it's the perfect time to step back and take a break from the usual to visit the forums. Join in as members discuss everything from what the healthiest number of credit cards is for your FICO® Scores to whether bankruptcy is the right option for you. Check out our other blog posts too!   How do I pick myself up from out of the ashes? Help! I've been aggressively paying off all of my debt this year but didn't realize that all of these charge-offs (COs) will still stay on my report for 7 years. I feel like I paid all of that debt for no reason because my really low score isn't budging. What can I do now? What's a healthy number of credit cards? Like most of us, I'm trying to build a strong, positive credit history. I'm considering … [Read more...]

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