Beginner’s Guide

New Student Special: When and What a Second Credit Card Should We Apply for ?

It seems that our website has not long updated information of credit cards for new college students. OK, we will introduce more detailed information about credit cards on our Special for New Students. We don’t know whether you have obtained credit cards or not. If you still have no credit cards, we advise you to consider an entry card mentioned…
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New Student Special: Introduction to FICO Credit Score Model

In the previous post we showed the general concepts of credit score and credit history and specifically mentioned that FICO credit score was most authentic important to you. This post is going to figure out how is FICO credit score calculated. The most widely used FICO model is FICO 8 in which the percentages of the credit score are listed blow: 1….
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New Student Special: Brief Introduction to Credit Score and Credit Report

It’s a commonplace but a unavoidable topic. I tried to help you digest the most important concepts through this post. The specific questions about credit score calculation will be answered at the next article! Briefly, it is: Credit Score = Credit Report + Score Calculation Model Credit report is, haha, a snitch recorded by the banker on your credit history….
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