Michelle Black, Founder of CreditWriter.com and HerCreditMatters.com, is a leading credit expert, author, writer, and speaker with over a decade and a half of experience in the credit industry. She is an expert in credit reporting, credit scoring, financing (mortgages, credit cards, loans), debt eradication, budgeting, saving, and identity theft. She is featured monthly at credit seminars, podcasts, and in print. You can connect with Michelle on Twitter (@MichelleLBlack) and Instagram (@CreditWriter).
Do the terms "statement balance" and "current balance" on your credit card statement have you confused? Learn what each means and which one you should pay.
A good mix of credit can potentially help your credit scores. Learn about this credit scoring component and how to achieve the ideal credit mix.
You know your credit scores, but how do lenders view your credit? Learn about credit score ranges and see how you measure up.
Some public records appear on your credit reports, but not all of them. Check out which public records may damage your credit scores and which ones won't.
Understanding how credit limits work and how they can impact your credit scores is an important part of being a smart credit card user.
Regardless of the type of financing you need, creditworthiness will play an important role in whether your applications for credit are approved or denied.