If you ever reviewed your credit report using Credit Karma, Wallet Hub, Nerd Wallet, etc., you may have noticed that they all break down your credit history based on an average age of credit history from all your trade lines together. For example, if you have a credit card that is 10 years old, another credit

Congress, this past May, signed the Economic Growth, Regulatory Relief, and Consumer Protection Act. Thanks to the act you can now freeze and unfreeze your credit report for free nationwide. In this post we will discuss everything you may want to know about credit freezes Why would I Want to Freeze My Credit Report? Identity

When reviewing your credit report (get a free copy here), you will notice, by each trade line written something that says DLA (date last activity). This mark is basically stating the last time there was any activity (for example a payment) on each trade line.  Why Is DLA Important – Good Credit? Credit models, like