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It is different from a line of credit that is typically a standalone loan with a set loan amount that can be accessed as needed with a check. Once a check is written against a line of credit principal and interest is paid back in installments.<\/p>" } } , { "@type": "Question", "name": "What behaviors affect credit scores?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Credit scores can be positively or negatively affected by consumer behavior such as paying balances owed on or before the due date, the percentage of utilization of credit lines and the number of credit accounts that are open.<\/p>" } } , { "@type": "Question", "name": "What things get reported to credit bureaus", "acceptedAnswer": { "@type": "Answer", "text": "<p>Lenders report the opening and maintenance of credit accounts to credit reporting companies each month that accounts are open. 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A hard inquiry can temporarily lower the credit applicant’s credit score as where a soft inquiry, which entails a more cursory view of a borrower’s credit, does not.<\/p>" } , { "@type": "DefinedTerm", "name": "Credit Rating", "description": "<p>Credit rating generally refers to an individual’s creditworthiness as measured by a credit score. It can also apply to corporate entities as it relates to the ability of a company to borrow money in the capital markets or issue debt instruments such as corporate bonds.<\/p>" } , { "@type": "DefinedTerm", "name": "Credit History", "description": "<p>Credit history is the accumulated credit account behavior of an individual that is tracked by credit reporting agencies. Lenders such as banks and credit card issuers report their customers’ accounts, credit usage and payment behavior to credit reporting agencies such as Experian, Equifax and TransUnion each month, forming credit profiles.<\/p>" } , { "@type": "DefinedTerm", "name": "Credit Quality", "description": "<p>Credit quality is another term for creditworthiness, meaning the level at which lenders assign credit amounts and terms based on risk level. Banks and other types of lenders measure credit quality objectively using credit scores based on factors such as types of credit owned, on-time payment history, credit utilization and age of credit.<\/p>" } , { "@type": "DefinedTerm", "name": "Buy Now, Pay Later", "description": "<p>Buy Now, Pay Later, also known as BNPL, is a relatively recent take on the old layaway plans of the past. 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<section id="mntl-taxonomysc_1-0" class="comp mntl-taxonomysc"><div id="mntl-taxonomysc-header_1-0" class="comp mntl-taxonomysc-header mntl-block"><div id="mntl-taxonomysc-header__top_1-0" class="comp mntl-taxonomysc-header__top mntl-block"><div id="mntl-taxonomysc-header-group_1-0" class="comp mntl-taxonomysc-header-group mntl-block"><ul id="mntl-breadcrumbs_1-0" class="comp mntl-breadcrumbs breadcrumbs mntl-block" data-tracking-container="true"><li id="mntl-breadcrumbs__item_1-0" class="comp mntl-breadcrumbs__item mntl-block"><a href="https://www.investopedia.com/personal-finance-4427760" rel="nocaes" id="mntl-text-link_1-0" class="mntl-text-link mntl-breadcrumbs__link" data-tracking-container="true" ><span class="link__wrapper">Personal Finance</span></a></li> <li id="mntl-breadcrumbs__item_2-0" class="comp mntl-breadcrumbs__item mntl-block"><a href="https://www.investopedia.com/credit-and-debt-4689724" rel="nocaes" id="mntl-text-link_2-0" class="mntl-text-link mntl-breadcrumbs__link" data-tracking-container="true" ><span class="link__wrapper">Credit & Debt</span></a></li></ul> <h1 id="mntl-taxonomysc-heading_1-0" class="comp mntl-taxonomysc-heading mntl-text-block">Credit & Debt</h1></div></div> <div id="mntl-taxonomysc-header__bottom_1-0" class="comp mntl-taxonomysc-header__bottom mntl-block"><div id="mntl-taxonomysc-intro_1-0" class="comp mntl-taxonomysc-intro mntl-sc-page mntl-block " data-sc-sticky-offset="60" data-sc-ad-label-height="24" data-sc-ad-track-spacing="100" data-sc-min-track-height="250" data-sc-max-track-height="600" data-sc-breakpoint="50em" data-sc-load-immediate="1" data-sc-content-positions="[300,600,900,1200,1500,1800,2100]" data-bind-scroll-on-start="true"><p id="mntl-sc-block_1-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Know the difference between how much you owe (debt) and how much you can borrow (credit). Learn how to manage both to avoid financial trouble and understand how credit scores are calculated. </p> <div id="sponsorship-wrapper_1-0" class="comp sponsorship-wrapper mntl-block"></div></div></div></div><div id="mntl-taxonomysc-content_1-0" class="comp mntl-taxonomysc-content mntl-sc-page mntl-block " data-sc-sticky-offset="60" data-sc-ad-label-height="24" data-sc-ad-track-spacing="100" data-sc-min-track-height="250" data-sc-max-track-height="600" data-sc-breakpoint="50em" data-sc-load-immediate="1" data-sc-content-positions="[300,600,900,1200,1500,1800,2100]" data-bind-scroll-on-start="true"><div id="mntl-sc-block_2-0" class="comp mntl-sc-block finance-sc-block-spotlight mntl-sc-block-spotlight mntl-block"><h3 id="mntl-sc-block-spotlight__heading_1-0" class="comp mntl-sc-block-spotlight__heading mntl-text-block">Credit & Debt</h3> <div id="mntl-sc-block-spotlight__articles_1-0" class="comp mntl-sc-block-spotlight__articles mntl-document-spotlight mntl-document-card-list mntl-card-list mntl-block" data-chunk="36"><a id="mntl-card-list-items_1-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="4231644" data-tax-levels href="https://www.investopedia.com/articles/personal-finance/081514/what-do-credit-score-ranges-mean.asp" data-ordinal="1" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/wfe_TWKwwHiRqyUZ4UiDydQPPXc=/7360x4912/filters:no_upscale():max_bytes(150000):strip_icc()/creditcardlaptop-353254d61fd3481ebdaa504116dcca11.jpg" width="7360" height="4912" data-srcset="https://www.investopedia.com/thmb/yPt1D4uqYIoIFAQvDiS8z773Dzo=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditcardlaptop-353254d61fd3481ebdaa504116dcca11.jpg 150w, https://www.investopedia.com/thmb/4t495KkSZ0EmhTti5oA4vnyHAOI=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditcardlaptop-353254d61fd3481ebdaa504116dcca11.jpg 200w, https://www.investopedia.com/thmb/ud7mOR04oAzatcNILq22kAgz9VA=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditcardlaptop-353254d61fd3481ebdaa504116dcca11.jpg 250w, https://www.investopedia.com/thmb/RI04rYvopQU2ThlaRfn1nD21U3s=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditcardlaptop-353254d61fd3481ebdaa504116dcca11.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="A person uses a credit card with a laptop." /> </noscript></div> </div> <div class="card__content " data-tag="Building Credit"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Credit Score Ranges: What Do They Mean?</span></span> <div id="article-meta--simple_1-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_1-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_1-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_1-0" class="comp byline--simple__author mntl-text-block">Sarita Harbour</div></div> <div id="displayed-date_1-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Sep 23, 2024</span> </div></div> </div> </a> <a id="mntl-card-list-items_2-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="4227953" data-tax-levels href="https://www.investopedia.com/ask/answers/040115/what-most-important-c-five-cs-credit.asp" data-ordinal="2" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/ptU9CXPzMMDHqu2AoC3Vi6uK1Xs=/4000x2700/filters:no_upscale():max_bytes(150000):strip_icc()/what-most-important-c-five-cs-credit.asp_final-bad30a49d14a454fb0894b12e116aeca.png" width="4000" height="2700" data-srcset="https://www.investopedia.com/thmb/6Dy_gSevGHRF_gjhEz-foqiWQB8=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/what-most-important-c-five-cs-credit.asp_final-bad30a49d14a454fb0894b12e116aeca.png 150w, https://www.investopedia.com/thmb/knxI0iUFgxA7DITe1I_wcccHVY4=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/what-most-important-c-five-cs-credit.asp_final-bad30a49d14a454fb0894b12e116aeca.png 200w, https://www.investopedia.com/thmb/E07jyO-YEzQ2UE65XkAP1QlL62Y=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/what-most-important-c-five-cs-credit.asp_final-bad30a49d14a454fb0894b12e116aeca.png 250w, https://www.investopedia.com/thmb/1XQ8TAL8MUengJTVhUARC0G6Rxg=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/what-most-important-c-five-cs-credit.asp_final-bad30a49d14a454fb0894b12e116aeca.png 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="A woman sitting at a table by a window working on her laptop seriously" class="lazyload card__img universal-image__image" /> <noscript> <img src="https://www.investopedia.com/thmb/2M67FJpkwL92OgTQHMuOilT4aAc=/2121x1414/filters:no_upscale():max_bytes(150000):strip_icc()/how-to-rotate-pdf-5095855-1bac8a56f15f43028dd5b10fd364f376.jpg" width="2121" height="1414" class="img--noscript card__img universal-image__image" srcset="https://www.investopedia.com/thmb/zsMqJLaxnP-Ng8bpFnTuDSqROJs=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/how-to-rotate-pdf-5095855-1bac8a56f15f43028dd5b10fd364f376.jpg 150w, https://www.investopedia.com/thmb/MYNup-Cf3A-e92dADYFmSShmpFw=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/how-to-rotate-pdf-5095855-1bac8a56f15f43028dd5b10fd364f376.jpg 200w, https://www.investopedia.com/thmb/riGRurHUbBlwIWiGYyLJoMZeZag=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/how-to-rotate-pdf-5095855-1bac8a56f15f43028dd5b10fd364f376.jpg 250w, https://www.investopedia.com/thmb/iaAeAGv0RPJAoFjPEo6fmdVOg7U=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/how-to-rotate-pdf-5095855-1bac8a56f15f43028dd5b10fd364f376.jpg 302w" sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="A woman sitting at a table by a window working on her laptop seriously" /> </noscript></div> </div> <div class="card__content " data-tag="Credit & Debt"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Credit Rating vs. Credit Score: What’s the Difference?</span></span> <div id="article-meta--simple_5-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_5-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_5-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_5-0" class="comp byline--simple__author mntl-text-block">The Investopedia Team</div></div> <div id="displayed-date_5-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Aug 08, 2023</span> </div></div> </div> </a></div> <div id="leaderboard2_1-0" class="comp leaderboard2 leaderboard--lazy leaderboard mm-ads-flexible-leaderboard mm-ads-flexible-ad mm-ads-gpt-adunit has-right-label visible-overflow js-lazy-ad gpt leaderboard dynamic"> <div id="leaderboard-flex-2" class="wrapper" data-type="leaderboard" data-pos="btf1" data-priority="3" data-sizes="[[728, 90], [970,90], [970, 250]]" data-rtb="true" data-wait-for-third-party="false" data-targeting="{}"></div> </div></div> <div id="mntl-sc-block_3-0" class="comp mntl-sc-block mntl-sc-block-faq mntl-block"><span class="heading-toc" id="toc-frequently-asked-questions-07e06579-3bb7-456e-af2c-8aecae2ffc2d"></span> <div id="mntl-sc-block-faq__title_1-0" class="comp mntl-sc-block-faq__title mntl-text-block">Frequently Asked Questions</div> <ul id="mntl-sc-block-faq__content_1-0" class="comp mntl-sc-block-faq__content mntl-accordion js-accordion"> <li class="accordion__item js-accordion-item " data-ordinal="1"> <div tabindex="0" class="accordion__header js-accordion-trigger" id="mntl-accordion__item_1-0-section-0"> <svg class="icon icon-arrow-down accordion__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-arrow-down" href="#icon-arrow-down"></use> </svg> <span class="accordion__title">Do lenders all use the same credit score?</span> </div> <div class="accordion__body"> <div id="mntl-accordion__content_1-0" class="comp mntl-accordion__content"> <div class="faq-accordion__item-answer"> <p>Most lenders use FICO credit scores, although some use a rival credit score called the Vantage score. The type of FICO or Vantage score can vary depending on the type of loan being applied for. For example, lenders use a specific score variation from one of the major score providers for credit cards vs a mortgage or home equity line of credit.</p> </div> <div class="faq-accordion__feature-link"> <span>Learn More</span> <span class="loc feature-link"><a href="https://www.investopedia.com/fico-score-vs-credit-score-5214435" rel="nocaes" id="accordion-content__feature-link_1-0" class="accordion-content__feature-link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">FICO Score vs. Credit Score</span></a> </span> </div> </div> </div> </li> <li class="accordion__item js-accordion-item " data-ordinal="2"> <div tabindex="0" class="accordion__header js-accordion-trigger" id="mntl-accordion__item_2-0-section-1"> <svg class="icon icon-arrow-down accordion__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-arrow-down" href="#icon-arrow-down"></use> </svg> <span class="accordion__title">What are the most important components of credit?</span> </div> <div class="accordion__body"> <div id="mntl-accordion__content_2-0" class="comp mntl-accordion__content"> <div class="faq-accordion__item-answer"> <p>The most important components of credit include history of on-time payments, types of credit owned, amounts owed and credit utilization. Another thing that goes into a person’s credit score is the length of credit history, which means the age of the oldest account on file.</p> </div> <div class="faq-accordion__feature-link"> <span>Learn More</span> <span class="loc feature-link"><a href="https://www.investopedia.com/articles/personal-finance/072514/what-lenders-look-your-credit-report.asp" rel="nocaes" id="accordion-content__feature-link_2-0" class="accordion-content__feature-link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">What Lenders Look at on Your Credit Report</span></a> </span> </div> </div> </div> </li> <li class="accordion__item js-accordion-item " data-ordinal="3"> <div tabindex="0" class="accordion__header js-accordion-trigger" id="mntl-accordion__item_3-0-section-2"> <svg class="icon icon-arrow-down accordion__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-arrow-down" href="#icon-arrow-down"></use> </svg> <span class="accordion__title">Is a credit card different from a line of credit?</span> </div> <div class="accordion__body"> <div id="mntl-accordion__content_3-0" class="comp mntl-accordion__content"> <div class="faq-accordion__item-answer"> <p>A credit card is a card-based form of payment that has a revolving credit line. It is different from a line of credit that is typically a standalone loan with a set loan amount that can be accessed as needed with a check. Once a check is written against a line of credit principal and interest is paid back in installments.</p> </div> <div class="faq-accordion__feature-link"> <span>Learn More</span> <span class="loc feature-link"><a href="https://www.investopedia.com/ask/answers/110614/what-are-differences-between-revolving-credit-and-line-credit.asp" rel="nocaes" id="accordion-content__feature-link_3-0" class="accordion-content__feature-link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Revolving Credit vs. Line of Credit: What's the Difference?</span></a> </span> </div> </div> </div> </li> <li class="accordion__item js-accordion-item " data-ordinal="4"> <div tabindex="0" class="accordion__header js-accordion-trigger" id="mntl-accordion__item_4-0-section-3"> <svg class="icon icon-arrow-down accordion__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-arrow-down" href="#icon-arrow-down"></use> </svg> <span class="accordion__title">What behaviors affect credit scores?</span> </div> <div class="accordion__body"> <div id="mntl-accordion__content_4-0" class="comp mntl-accordion__content"> <div class="faq-accordion__item-answer"> <p>Credit scores can be positively or negatively affected by consumer behavior such as paying balances owed on or before the due date, the percentage of utilization of credit lines and the number of credit accounts that are open.</p> </div> <div class="faq-accordion__feature-link"> <span>Learn More</span> <span class="loc feature-link"><a href="https://www.investopedia.com/financial-edge/0212/7-things-you-didnt-know-affect-your-credit-score.aspx" rel="nocaes" id="accordion-content__feature-link_4-0" class="accordion-content__feature-link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">7 Things You Didn't Know Affect Your Credit Score</span></a> </span> </div> </div> </div> </li> <li class="accordion__item js-accordion-item " data-ordinal="5"> <div tabindex="0" class="accordion__header js-accordion-trigger" id="mntl-accordion__item_5-0-section-4"> <svg class="icon icon-arrow-down accordion__icon" > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#icon-arrow-down" href="#icon-arrow-down"></use> </svg> <span class="accordion__title">What things get reported to credit bureaus</span> </div> <div class="accordion__body"> <div id="mntl-accordion__content_5-0" class="comp mntl-accordion__content"> <div class="faq-accordion__item-answer"> <p>Lenders report the opening and maintenance of credit accounts to credit reporting companies each month that accounts are open. Account balances, payment behavior and account status (such as current, overdue or in default) are also reported.</p> </div> <div class="faq-accordion__feature-link"> <span>Learn More</span> <span class="loc feature-link"><a href="https://www.investopedia.com/ask/answers/042715/what-do-creditors-have-report-credit-bureaus.asp" rel="nocaes" id="accordion-content__feature-link_5-0" class="accordion-content__feature-link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">What Do Creditors Have To Report to Credit Bureaus?</span></a> </span> </div> </div> </div> </li> </ul></div> <div id="mntl-sc-block_4-0" class="comp mntl-sc-block mntl-sc-block-keyterms mntl-block"><h3 id="mntl-sc-block-keyterms__title_1-0" class="comp mntl-sc-block-keyterms__title mntl-text-block">Key Terms</h3> <div id="mntl-sc-block-keyterms__nav_1-0" class="comp mntl-sc-block-keyterms__nav mntl-block" data-tracking-container="true"><button id="mntl-sc-block-keyterms__nav-item_1-0" class="comp mntl-sc-block-keyterms__nav-item mntl-button is-active" data-index="0"> Credit </button> <button id="mntl-sc-block-keyterms__nav-item_2-0" class="comp mntl-sc-block-keyterms__nav-item mntl-button" data-index="1"> Hard Inquiry </button> <button id="mntl-sc-block-keyterms__nav-item_3-0" class="comp mntl-sc-block-keyterms__nav-item mntl-button" data-index="2"> Credit Rating </button> <button id="mntl-sc-block-keyterms__nav-item_4-0" class="comp mntl-sc-block-keyterms__nav-item mntl-button" data-index="3"> Credit History </button> <button id="mntl-sc-block-keyterms__nav-item_5-0" class="comp mntl-sc-block-keyterms__nav-item mntl-button" data-index="4"> Credit Quality </button> <button id="mntl-sc-block-keyterms__nav-item_6-0" class="comp mntl-sc-block-keyterms__nav-item mntl-button" data-index="5"> Buy Now, Pay Later </button></div> <div id="mntl-sc-block-keyterms__carousel_1-0" class="comp mntl-sc-block-keyterms__carousel mntl-carousel--inline mntl-carousel mntl-carousel--inline mntl-carousel" data-use-placeholders="false" data-tracking-container="true" data-scroll-by-page="false" data-update-arrows-when-scrolling="false"> <div class="mntl-carousel__wrapper"> <div class="mntl-carousel__arrow mntl-carousel__arrow--left " data-click-tracked="true" role="button" aria-label="Present previous article"> <svg class="icon mntl-carousel__arrow-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#mntl-carousel__arrow-icon" href="#mntl-carousel__arrow-icon"></use> </svg> </div> <ul class="loc carousel-items mntl-carousel__items"><li id="mntl-carousel__item_1-0" class="comp mntl-carousel__item mntl-block is-active" data-ordinal="0" data-contain-tooltips="true"><div id="mntl-carousel__card_1-0" class="comp mntl-carousel__card mntl-block carousel-card"><div id="carousel-card__title_1-0" class="comp carousel-card__title mntl-text-block">Credit</div> <div id="carousel-card__body_1-0" class="comp carousel-card__body mntl-text-block"><p>Credit refers to the extension of financial borrowing privileges from one individual or organization to another. Ultimately, credit is based on trust between the lender and borrower that the amount owed will be repaid. Credit generally entails measurement and verification of the creditworthiness of the borrower by the lender.</p></div> <div id="carousel-card__link-wrapper_1-0" class="comp carousel-card__link-wrapper mntl-block"><a href="https://www.investopedia.com/terms/c/credit.asp" rel="nocaes" id="carousel-card__link_1-0" class="carousel-card__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Learn More</span></a></div></div></li> <li id="mntl-carousel__item_2-0" class="comp mntl-carousel__item mntl-block" data-ordinal="1" data-contain-tooltips="true"><div id="mntl-carousel__card_2-0" class="comp mntl-carousel__card mntl-block carousel-card"><div id="carousel-card__title_2-0" class="comp carousel-card__title mntl-text-block">Hard Inquiry</div> <div id="carousel-card__body_2-0" class="comp carousel-card__body mntl-text-block"><p>A hard inquiry refers to a lender pulling a full credit report on an individual from a credit reporting company in order to determine their creditworthiness for a loan or revolving line of credit. A hard inquiry can temporarily lower the credit applicant’s credit score as where a soft inquiry, which entails a more cursory view of a borrower’s credit, does not.</p></div> <div id="carousel-card__link-wrapper_2-0" class="comp carousel-card__link-wrapper mntl-block"><a href="https://www.investopedia.com/terms/h/hard-inquiry.asp" rel="nocaes" id="carousel-card__link_2-0" class="carousel-card__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Learn More</span></a></div></div></li> <li id="mntl-carousel__item_3-0" class="comp mntl-carousel__item mntl-block" data-ordinal="2" data-contain-tooltips="true"><div id="mntl-carousel__card_3-0" class="comp mntl-carousel__card mntl-block carousel-card"><div id="carousel-card__title_3-0" class="comp carousel-card__title mntl-text-block">Credit Rating</div> <div id="carousel-card__body_3-0" class="comp carousel-card__body mntl-text-block"><p>Credit rating generally refers to an individual’s creditworthiness as measured by a credit score. It can also apply to corporate entities as it relates to the ability of a company to borrow money in the capital markets or issue debt instruments such as corporate bonds.</p></div> <div id="carousel-card__link-wrapper_3-0" class="comp carousel-card__link-wrapper mntl-block"><a href="https://www.investopedia.com/terms/c/creditrating.asp" rel="nocaes" id="carousel-card__link_3-0" class="carousel-card__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Learn More</span></a></div></div></li> <li id="mntl-carousel__item_4-0" class="comp mntl-carousel__item mntl-block" data-ordinal="3" data-contain-tooltips="true"><div id="mntl-carousel__card_4-0" class="comp mntl-carousel__card mntl-block carousel-card"><div id="carousel-card__title_4-0" class="comp carousel-card__title mntl-text-block">Credit History</div> <div id="carousel-card__body_4-0" class="comp carousel-card__body mntl-text-block"><p>Credit history is the accumulated credit account behavior of an individual that is tracked by credit reporting agencies. Lenders such as banks and credit card issuers report their customers’ accounts, credit usage and payment behavior to credit reporting agencies such as Experian, Equifax and TransUnion each month, forming credit profiles.</p></div> <div id="carousel-card__link-wrapper_4-0" class="comp carousel-card__link-wrapper mntl-block"><a href="https://www.investopedia.com/terms/c/credit-history.asp" rel="nocaes" id="carousel-card__link_4-0" class="carousel-card__link mntl-text-link " data-tracking-container="true" ><span class="link__wrapper">Learn More</span></a></div></div></li> <li id="mntl-carousel__item_5-0" class="comp mntl-carousel__item mntl-block" data-ordinal="4" data-contain-tooltips="true"><div id="mntl-carousel__card_5-0" class="comp mntl-carousel__card mntl-block carousel-card"><div id="carousel-card__title_5-0" class="comp carousel-card__title mntl-text-block">Credit Quality</div> <div id="carousel-card__body_5-0" class="comp carousel-card__body mntl-text-block"><p>Credit quality is another term for creditworthiness, meaning the level at which lenders assign credit amounts and terms based on risk level. 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Aa couple meets with a financial advisor at home" /> </noscript></div> </div> <div class="card__content " data-tag="Credit & Debt"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Bankruptcy Rates by Race</span></span> <div id="article-meta--simple_12-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_12-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_12-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_12-0" class="comp byline--simple__author mntl-text-block">Sabrina Karl</div></div> <div id="displayed-date_12-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Jan 26, 2024</span> </div></div> </div> </a> <a id="mntl-card-list-items_13-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="5214525" data-tax-levels href="https://www.investopedia.com/average-credit-scores-by-gender-5214525" data-ordinal="3" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/6YU8iuiE7yz6IWcgTaiffELhr0I=/2384x1257/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1359913709-d1cd8b11c6ce487bb114af1a986b35c7.jpg" width="2384" height="1257" data-srcset="https://www.investopedia.com/thmb/p4iC56CZjx9YnweH3-QKz38RD40=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1359913709-d1cd8b11c6ce487bb114af1a986b35c7.jpg 150w, https://www.investopedia.com/thmb/vdI4IpLGLRjVJMN5Y4EJdnxlAbU=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1359913709-d1cd8b11c6ce487bb114af1a986b35c7.jpg 200w, https://www.investopedia.com/thmb/yltZ1xos9fTNFdrygghwUccx3_Y=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1359913709-d1cd8b11c6ce487bb114af1a986b35c7.jpg 250w, https://www.investopedia.com/thmb/MJHtlOD_k93s9yOhnpE-Q7s-21Y=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1359913709-d1cd8b11c6ce487bb114af1a986b35c7.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Woman opening a gift while man watches her, smiling, both sitting on the kitchen floor" /> </noscript></div> </div> <div class="card__content " data-tag="Credit & Debt"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Average Credit Scores by Gender</span></span> <div id="article-meta--simple_13-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_13-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_13-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_13-0" class="comp byline--simple__author mntl-text-block">Sabrina Karl</div></div> <div id="displayed-date_13-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Jul 02, 2024</span> </div></div> </div> </a> <a id="mntl-card-list-items_14-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="5214521" data-tax-levels href="https://www.investopedia.com/average-credit-scores-by-race-5214521" data-ordinal="4" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/Q7hJRg8b4PUtEWV1d7qjdFS8DeI=/2121x1414/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg" width="2121" height="1414" data-srcset="https://www.investopedia.com/thmb/RBV8E_mgOmUQaYIn8uro3NclJeU=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 150w, https://www.investopedia.com/thmb/JOhkbsIkQJ9ZidfYm6cMN8JobdY=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 200w, https://www.investopedia.com/thmb/5D4sfZFz8KjqoK9CfaIJFTRzm0E=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 250w, https://www.investopedia.com/thmb/4uMDrazFKHKymahtRfZqwX7ivDs=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Businesswoman with a good credit score talks with a customer in a warehouse" /> </noscript></div> </div> <div class="card__content " data-tag="Credit & Debt"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Average Credit Scores by Race</span></span> <div id="article-meta--simple_14-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_14-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_14-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_14-0" class="comp byline--simple__author mntl-text-block">Sabrina Karl</div></div> <div id="displayed-date_14-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Jul 02, 2024</span> </div></div> </div> </a> <a id="mntl-card-list-items_15-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="5214511" data-tax-levels href="https://www.investopedia.com/average-credit-scores-by-age-5214511" data-ordinal="5" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/Qgf2XLrRFjOoNhttBFhVfdl-Agc=/5121x3414/filters:no_upscale():max_bytes(150000):strip_icc()/creditscorebyage-93d4a1b7acc441288a416f53b2937e1f.jpg" width="5121" height="3414" data-srcset="https://www.investopedia.com/thmb/Jv73WVHLis1s1RKregnaZpkAikE=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditscorebyage-93d4a1b7acc441288a416f53b2937e1f.jpg 150w, https://www.investopedia.com/thmb/CitBj6u9FhfFrojjbV-4cz8DmxE=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditscorebyage-93d4a1b7acc441288a416f53b2937e1f.jpg 200w, https://www.investopedia.com/thmb/obtNZWjZqQKxCOX3hyvPfAqSIc0=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditscorebyage-93d4a1b7acc441288a416f53b2937e1f.jpg 250w, https://www.investopedia.com/thmb/3nB4y9WTRELQLajIemJyECV1cSw=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/creditscorebyage-93d4a1b7acc441288a416f53b2937e1f.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="A man sits at a table with a laptop using a credit card." /> </noscript></div> </div> <div class="card__content " data-tag="Credit & Debt"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">FICO Score vs. Other Credit Scores</span></span> <div id="article-meta--simple_16-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_16-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_16-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_16-0" class="comp byline--simple__author mntl-text-block">Rebecca Lake</div></div> <div id="displayed-date_16-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Feb 20, 2023</span> </div></div> </div> </a> <a id="mntl-card-list-items_17-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="5212482" data-tax-levels href="https://www.investopedia.com/how-to-improve-your-credit-score-with-no-credit-history-5212482" data-ordinal="7" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/M9RqYas3GAm1oTPjW07AqSS9XLM=/2121x1414/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1273461265-9253160ac9c84a90a9bc852ac47ca979.jpg" width="2121" height="1414" data-srcset="https://www.investopedia.com/thmb/KAj7dhXBZRKk1susHrls595QO8Y=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1273461265-9253160ac9c84a90a9bc852ac47ca979.jpg 150w, https://www.investopedia.com/thmb/PTaDfqZMMNcQ_31EyCCzV9LxLcY=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1273461265-9253160ac9c84a90a9bc852ac47ca979.jpg 200w, https://www.investopedia.com/thmb/3APxAnBg1BzAtWLKgckw_Mi7kLQ=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1273461265-9253160ac9c84a90a9bc852ac47ca979.jpg 250w, https://www.investopedia.com/thmb/OvK7sRkbhTRYCbnpa1RWEbEpD6A=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1273461265-9253160ac9c84a90a9bc852ac47ca979.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="A young credit card customer checks her credit scores." /> </noscript></div> </div> <div class="card__content " data-tag="Building Credit"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">How To Improve Your Credit Score With No Credit History</span></span> <div id="article-meta--simple_17-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_17-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_17-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_17-0" class="comp byline--simple__author mntl-text-block">Rebecca Lake</div></div> <div id="displayed-date_17-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">May 11, 2022</span> </div></div> </div> </a> <a id="mntl-card-list-items_18-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="5213912" data-tax-levels href="https://www.investopedia.com/check-your-credit-score-without-hurting-it-5213912" data-ordinal="8" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/Q7hJRg8b4PUtEWV1d7qjdFS8DeI=/2121x1414/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg" width="2121" height="1414" data-srcset="https://www.investopedia.com/thmb/RBV8E_mgOmUQaYIn8uro3NclJeU=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 150w, https://www.investopedia.com/thmb/JOhkbsIkQJ9ZidfYm6cMN8JobdY=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 200w, https://www.investopedia.com/thmb/5D4sfZFz8KjqoK9CfaIJFTRzm0E=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 250w, https://www.investopedia.com/thmb/4uMDrazFKHKymahtRfZqwX7ivDs=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Businesswoman with a good credit score talks with a customer in a warehouse" class="lazyload card__img universal-image__image" /> <noscript> <img src="https://www.investopedia.com/thmb/Q7hJRg8b4PUtEWV1d7qjdFS8DeI=/2121x1414/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg" width="2121" height="1414" class="img--noscript card__img universal-image__image" srcset="https://www.investopedia.com/thmb/RBV8E_mgOmUQaYIn8uro3NclJeU=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 150w, https://www.investopedia.com/thmb/JOhkbsIkQJ9ZidfYm6cMN8JobdY=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 200w, https://www.investopedia.com/thmb/5D4sfZFz8KjqoK9CfaIJFTRzm0E=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 250w, https://www.investopedia.com/thmb/4uMDrazFKHKymahtRfZqwX7ivDs=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/GettyImages-1190222745-b65de6b6c3b948d2a22db5d28c5b1fb8.jpg 302w" sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Businesswoman with a good credit score talks with a customer in a warehouse" /> </noscript></div> </div> <div class="card__content " data-tag="Building Credit"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">How to Check Your Credit Score Without Hurting It</span></span> <div id="article-meta--simple_18-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_18-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_18-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_18-0" class="comp byline--simple__author mntl-text-block">Andrew Martins</div></div> <div id="displayed-date_18-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Sep 19, 2024</span> </div></div> </div> </a> <a id="mntl-card-list-items_19-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="5105100" data-tax-levels href="https://www.investopedia.com/average-credit-scores-by-state-5105100" data-ordinal="9" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/u4dLNBInoISLVn9CB0oCXVUexMk=/5760x3840/filters:no_upscale():max_bytes(150000):strip_icc()/AverageCreditScorebyState-41fa67b20780482793a3c494f5ea7cda.jpg" width="5760" height="3840" data-srcset="https://www.investopedia.com/thmb/o7N33lxZh_WW0eNW-g2T5lrLiwM=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/AverageCreditScorebyState-41fa67b20780482793a3c494f5ea7cda.jpg 150w, https://www.investopedia.com/thmb/0Wlwg_gmvfKaEd0bDAcSAKGkFXc=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/AverageCreditScorebyState-41fa67b20780482793a3c494f5ea7cda.jpg 200w, https://www.investopedia.com/thmb/VvTaG8l2-xEoz2YgNXHIz2JSzlM=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/AverageCreditScorebyState-41fa67b20780482793a3c494f5ea7cda.jpg 250w, https://www.investopedia.com/thmb/mM0phoE4qpXZnDbo0jPev6wS2Zs=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/AverageCreditScorebyState-41fa67b20780482793a3c494f5ea7cda.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 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1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Interest Cost" /> </noscript></div> </div> <div class="card__content " data-tag="Corporate Debt"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Interest Cost: What it Means, How it Works</span></span> <div id="article-meta--simple_29-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_29-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_29-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_29-0" class="comp byline--simple__author mntl-text-block">Adam Hayes</div></div> <div id="displayed-date_29-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Aug 20, 2021</span> </div></div> </div> </a> <a id="mntl-card-list-items_30-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="4193506" data-tax-levels href="https://www.investopedia.com/terms/l/loan-grading.asp" data-ordinal="20" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/MBaX1gim7wVlpjEiw7lK2RBhRhg=/5760x3840/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg" width="5760" height="3840" data-srcset="https://www.investopedia.com/thmb/EFCPvUZi2hcHxc0YbqrtQp1_mpA=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 150w, https://www.investopedia.com/thmb/9_Sy_m3jpoX-Ef_UFEzjk617pM8=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 200w, https://www.investopedia.com/thmb/Oi0kUSo8wSgo6vOa0-IEReKdOpw=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 250w, https://www.investopedia.com/thmb/ccueEZrnU3gSE2KT7EYNO8_YMaw=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Loan officer at work grading loans for approval process using documents, calculator and laptop." class="lazyload card__img universal-image__image" /> <noscript> <img src="https://www.investopedia.com/thmb/MBaX1gim7wVlpjEiw7lK2RBhRhg=/5760x3840/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg" width="5760" height="3840" class="img--noscript card__img universal-image__image" srcset="https://www.investopedia.com/thmb/EFCPvUZi2hcHxc0YbqrtQp1_mpA=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 150w, https://www.investopedia.com/thmb/9_Sy_m3jpoX-Ef_UFEzjk617pM8=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 200w, https://www.investopedia.com/thmb/Oi0kUSo8wSgo6vOa0-IEReKdOpw=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 250w, https://www.investopedia.com/thmb/ccueEZrnU3gSE2KT7EYNO8_YMaw=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/LoanGradingWhatitisandhowitWorks-4b1ab12310ec47c0bd5f67bfde6b5931.jpg 302w" sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="Loan officer at work grading loans for approval process using documents, calculator and laptop." /> </noscript></div> </div> <div class="card__content " data-tag="Loans"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Loan Grading: What it is and how it Works</span></span> <div id="article-meta--simple_30-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_30-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_30-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_30-0" class="comp byline--simple__author mntl-text-block">Will Kenton</div></div> <div id="displayed-date_30-0" class="comp displayed-date"> <span class="displayed-date__date-text">Updated</span> <span class="displayed-date__date">Jan 09, 2021</span> </div></div> </div> </a> <a id="mntl-card-list-items_31-0" class="comp mntl-card-list-items mntl-document-card mntl-card card card--no-image" data-doc-id="4222877" data-tax-levels href="https://www.investopedia.com/investing/experian-vs-equifax/" data-ordinal="21" data-cta="Read Now ▸"> <div class="loc card__top"><div class="card__media mntl-universal-image universal-image__container"><img data-src="https://www.investopedia.com/thmb/l4QoNkeb3U0G0Fe0EMGbMuptACA=/5699x3686/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg" width="5699" height="3686" data-srcset="https://www.investopedia.com/thmb/_kEBivboIry8ZNDNQkDw3hgwf_Q=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 150w, https://www.investopedia.com/thmb/LNXloIue5FnvS8uSkgc4SbF6b2E=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 200w, https://www.investopedia.com/thmb/FYz1vR5DeJN8yY2dp-q0rMthvyM=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 250w, https://www.investopedia.com/thmb/lGsHNqx9PE2Q00sD29JTATe7T0M=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 302w" data-sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="A group of colleagues discussing the difference between Experience and Equifax." class="lazyload card__img universal-image__image" /> <noscript> <img src="https://www.investopedia.com/thmb/l4QoNkeb3U0G0Fe0EMGbMuptACA=/5699x3686/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg" width="5699" height="3686" class="img--noscript card__img universal-image__image" srcset="https://www.investopedia.com/thmb/_kEBivboIry8ZNDNQkDw3hgwf_Q=/150x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 150w, https://www.investopedia.com/thmb/LNXloIue5FnvS8uSkgc4SbF6b2E=/200x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 200w, https://www.investopedia.com/thmb/FYz1vR5DeJN8yY2dp-q0rMthvyM=/250x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 250w, https://www.investopedia.com/thmb/lGsHNqx9PE2Q00sD29JTATe7T0M=/302x0/filters:no_upscale():max_bytes(150000):strip_icc()/Experianvs.EquifaxWhatstheDifference-a9daef588bf44df1b0b9fd706703f4ee.jpg 302w" sizes="(min-width: 1280px) 300px, (min-width: 800px) calc(25vw - 1.25rem), (min-width: 640px) calc(33vw - 2rem), calc(50vw - 1.125rem)" alt="A group of colleagues discussing the difference between Experience and Equifax." /> </noscript></div> </div> <div class="card__content " data-tag="Credit & Debt"> <div class="card__header"></div> <span class="card__title"><span class="card__title-text ">Experian vs. Equifax: What's the Difference?</span></span> <div id="article-meta--simple_31-0" class="comp article-meta--simple mntl-block" data-tracking-container="true"><div id="byline--simple_31-0" class="comp byline--simple mntl-block"><div id="byline--simple__pre-author-text_31-0" class="comp byline--simple__pre-author-text mntl-text-block">By</div> <div id="byline--simple__author_31-0" class="comp byline--simple__author mntl-text-block">Kevin B. 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