Why Do I Have So Many Credit Scores?
Now that it’s so easy to get your credit score for free, you may have checked it several times in several places — personal finance sites, credit card issuers, your…
Bev O'Shea
Bev writes about credit scores and credit reports for NerdWallet. Her work has been featured in USA Today, the Christian Science Monitor and MSN Money. She mostly follows her own advice about not worrying about a perfect score (although she had one for at least a few minutes). In her free time, she enjoys music, fitness, murder mysteries and dark chocolate.
Posts by Bev O'Shea:
Why Did My Credit Score Drop?
When your credit score takes an unexpected turn downward, it can cause concern or frustration. Credit scores do fluctuate a bit over time, and a couple of points up or down…
What Is the Average Credit Score?
When checking your credit, you might wonder how you stack up against the average credit score or compare to others in your age group. The average FICO credit score in 2018…
5 Smart Ways to Use and Repay Holiday Debt
If glitzy ads and the scent of evergreens entice you to choose debt when you mean to choose joy, your holiday may already be haunted by the Ghost of Christmas…
How Often Do My Credit Reports Update?
If you pay off a credit card balance or get a higher credit limit, you may want to see the change reflected in your credit report. Or, if you made…
How Often Should I Check My Credit Reports?
In a world where personal data is routinely breached, it makes sense to regularly check your credit information to make sure it’s accurate — and that it’s not being used…
Does Getting Denied for a Credit Card Hurt Your Score?
Getting rejected when you apply for a credit card has an extra sting if your credit score drops, too. But it can happen. One component of your credit score is…
How I Ditched Debt: ‘We Have Choices Again’
In this series, NerdWallet interviews people who have triumphed over debt using a combination of commitment, budgeting and smart financial choices. Responses have been edited for length and clarity. Sally…
Will Refinancing a Car Hurt Your Credit?
Refinancing a car can save you money on interest or give you a lower payment and some breathing room in your budget. Auto refinancing could also temporarily ding your credit…
Does Closing a Credit Card Hurt Your Credit Score?
Closing a credit card can subtract points from your credit score. The impact is likely to be greatest if you are relatively new to credit and/or have few cards. A…
