Credit Guides

Plain-English explainers on paychecks, taxes, saving, debt and retirement in the U.S. — 57 guides and growing every day.

All Career & Income (1) Credit (2) Everyday Money (1) Loans & Debt (3) Mortgages & Housing (5) Paycheck (3) Paycheck Basics (4) Paycheck Guides (16) Retirement (3) Saving & Budgeting (3) Saving & Investing (5) State Taxes (2) Tax Forms (1) Taxes (8)

Credit Utilization Ratio Explained: How It Affects Your Score

Learn how credit utilization is calculated and how to lower it to improve your score.

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What Is a Good Credit Score? Ranges, Factors and How to Improve It

Understand credit score ranges, the five factors behind your score and steps that can raise it.

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