Your credit scores can wax and wane a bit like the moon, changing frequently as your credit accounts and balances change. However, big changes to your credit scores could be an indication that ...

LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in national publications, and her work has been cited in several books.

Your credit card spending can impact your credit score. The more of your available credit you use at once, the more it has the potential to drag your score down. Find ways to manage your credit cards ...

A higher credit limit can reduce your credit utilization, which is good for your credit score. High-limit cards often come with premium travel benefits and rewards. Bigger spending limits mean more ...

I've seen folks raise their scores by 50+ points in just a few months, without doing anything fancy. They just learned which factors affected their score most, and focused on improving those areas.