Less than 2% of Americans have perfect credit. Find out why achieving a perfect 850 is so rare -- and see whether you really need to or not.

Key Points Dave Ramsey said you do not need a credit score to thrive. Ramsey is right, but only if you never intend to borrow ...

To maintain a healthy credit score, it's important to keep your credit utilization rate (CUR) low. The general rule of thumb has been that you don't want your CUR to exceed 30%, but increasingly ...

Check your free credit score and credit report as often as you want, and get alerts about changes so you can manage your credit effectively. Credit education Stay on top of your score with ...

TransUnion, Equifax, and Experian. When you borrow money from banks, credit unions or make any type of credit card charge ...