Credit tips and secrets

Little-known, sourced facts about how credit really works. Each guide opens with a short answer, then shows the mechanism and the sources.

01
30 credit secrets most people never hear, all sourced
The real edges in credit are timing and rules, not tricks.
9 min read
02
Which credit score do car, card and loan lenders pull? Lookup table
Mortgage lenders pull Classic FICO from all three bureaus, and Fannie Mae and Freddie Mac lenders can use VantageScore 4.0 instead.
5 min read