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…
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:
How Often Should I Check My Credit Reports?
In a world where personal data is routinely breached, it makes sense to check your credit information to make sure it’s accurate — and that it’s not being used without…
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…
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…
New UltraFICO Score Could Boost Credit Access for Consumers
A new FICO credit score, launching in 2019, could be good news for consumers who don’t quite have the credit scores they need to qualify for a financial product or…
Free Credit Freezes: Time to Rethink Your Protection?
Credit freezes and unfreezes with the three major credit bureaus — Equifax, Experian and TransUnion — became free for everyone Sept. 21. Fraud alerts, which always have been free, were extended from…
5 Times to Stash Your Cash and Pay With Plastic
Choosing the best way to pay for something — credit or cash — can make a real dollar difference for you. So knowing when to do which is key. Personal…
