Your credit history is a record of how you have managed past debt and how you are handling ongoing debt. Your credit history is outlined in detail in your credit report, which also includes any liens, ...

The number of people with no credit record — known as "credit invisibles" by the financial industry — has plummeted to just 2.7% of the population, or 7 million Americans, after the Consumer Financial ...

According to the World Bank, 1.4 billion people worldwide remain unbanked—with little or no access to credit—largely because they lack the formal credit histories required by traditional lenders.

Having no or minimal credit history means you don’t have a credit score at all. This is different from having a low credit score, which can stem from having negative information on your credit reports ...

Credit scores don’t matter unless you’re trying to get a loan, rent an apartment, secure insurance, buy a home, avoid paying a deposit to utility companies, or even land some jobs. OK. Unless you’re ...

Rent reporting services provide tenants the opportunity to grow their credit history through monthly payments. However, landlords could also report late or unfulfilled payments to debt collectors.

A Reddit user is considering downgrading a credit card but is worried about the impact on his credit. Downgrading a card usually allows you to keep your credit history, but you’ll want to check with ...

Achieving a perfect 850 credit score takes decades. But you can copy the same habits and still get top loan rates and credit cards.

Aiming to hit the credit-score ceiling? Going by the FICO® Score system, 850 is the highest credit score possible. It means lenders see you as a super low-risk borrower with a long track record of ...

Natalie Campisi is a senior journalist who covers personal finance, balancing timely news with in-depth enterprise reporting. Her mission is to make complex financial issues clear and accessible for ...