According to CNBC, here are the top 5 and bottom 5 states for average FICO credit scores. Do you live in one of the states shown below?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/top-bottom-states-for-credit-scores","title":"Top & Bottom States for Credit Scores","summary":"According to CNBC, here are the top 5 and bottom 5 states for average FICO credit scores. Do you live in one of the states shown below?","date_modified":"2026-05-25T12:03:00Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/different-credit-score-model-impacts","html_content":"According to Housing Wire: \"Mortgage brokers using VantageScore 4.0 through UWM (United Wholesale Mortgage) reported higher credit scores that improved pricing and eligibility, including approvals that were previously de...
","url":"https://creditscoresexpert.com/credit-scores-expert/f/different-credit-score-model-impacts","title":"Different Credit Score Model Impacts...","summary":"According to Housing Wire: \"Mortgage brokers using VantageScore 4.0 through UWM (United Wholesale Mortgage) reported higher credit scores that improved pricing and eligibility, including approvals that were previously de...","date_modified":"2026-05-18T12:10:00Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/super-prime-credit-score-holders","html_content":"According to the Wall Street Journal, the number of consumers who have a credit score of 780 (or higher) has increased by over 15 million in the last 6 years.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/super-prime-credit-score-holders","title":"Super Prime Credit Score Holders","summary":"According to the Wall Street Journal, the number of consumers who have a credit score of 780 (or higher) has increased by over 15 million in the last 6 years.","date_modified":"2026-05-11T12:01:00Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/is-a-credit-crunch-coming","html_content":"With the current state of the economy, credit scores which were good enough to acquire mortgage or vehicle loans previously may not be adequate now.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/is-a-credit-crunch-coming","title":"Is a Credit Crunch Coming?","summary":"With the current state of the economy, credit scores which were good enough to acquire mortgage or vehicle loans previously may not be adequate now.","date_modified":"2026-05-03T16:45:15Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-scar-scams","html_content":"In this current economy, consumers are even more vulnerable to scams.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-scar-scams","title":"Credit Card Scams","summary":"In this current economy, consumers are even more vulnerable to scams.","date_modified":"2026-04-27T15:06:31Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-history-checks-on-employees","html_content":"New York has joined at least 10 other states which don't allow or limit credit history checks for hiring candidates, or to make compensation decisions with existing employees.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-history-checks-on-employees","title":"Credit History Checks on Employees and Candidates","summary":"New York has joined at least 10 other states which don't allow or limit credit history checks for hiring candidates, or to make compensation decisions with existing employees.","date_modified":"2026-04-20T18:01:22Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/identity-theft-1","html_content":"Identity theft will always be a big problem for both individuals and organizations, and it comes in many forms, including:
","url":"https://creditscoresexpert.com/credit-scores-expert/f/identity-theft-1","title":"Identity Theft","summary":"Identity theft will always be a big problem for both individuals and organizations, and it comes in many forms, including:","date_modified":"2026-04-13T15:11:46Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/the-cost-of-fico-scores","html_content":"FICO is facing challenges to the costs to obtain its credit scores of loan applicants.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/the-cost-of-fico-scores","title":"The Cost of FICO Scores","summary":"FICO is facing challenges to the costs to obtain its credit scores of loan applicants.","date_modified":"2026-04-06T17:50:50Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-score-averages-actuals","html_content":"According to FICO company, the average credit score of Americans has decreased to 714, dropping 2 points in the past year. A lot of this is due to student loan late payments or defaults on these loans, and the overall co...
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-score-averages-actuals","title":"Credit Score Averages & Actuals ","summary":"According to FICO company, the average credit score of Americans has decreased to 714, dropping 2 points in the past year. A lot of this is due to student loan late payments or defaults on these loans, and the overall co...","date_modified":"2026-03-30T16:02:02Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/insurance-costs-credit-scores","html_content":"You know your credit scores can affect if you can get a loan and the interest you pay on that loan, but did you know that your credit scores (yes, SCORES) can impact how much you pay for insurance, especially homeowner i...
","url":"https://creditscoresexpert.com/credit-scores-expert/f/insurance-costs-credit-scores","title":"Insurance Costs & Credit Scores","summary":"You know your credit scores can affect if you can get a loan and the interest you pay on that loan, but did you know that your credit scores (yes, SCORES) can impact how much you pay for insurance, especially homeowner i...","date_modified":"2026-03-22T15:13:44Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/buy-now-pay-later-services","html_content":"As economic conditions change for individual consumers - whether improving or worsening - the use of Buy Now, Pay Later services have been steadily rising.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/buy-now-pay-later-services","title":"Buy Now, Pay Later Services","summary":"As economic conditions change for individual consumers - whether improving or worsening - the use of Buy Now, Pay Later services have been steadily rising.","date_modified":"2026-03-16T16:02:42Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/types-of-debt-1","html_content":"There are multiple types of debt, but two of the most common types of debt are installment debt, such car notes or residential or commercial mortgages, and credit card debt.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/types-of-debt-1","title":"Types of Debt","summary":"There are multiple types of debt, but two of the most common types of debt are installment debt, such car notes or residential or commercial mortgages, and credit card debt.","date_modified":"2026-03-09T15:22:00Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/what-is-a-fico-score","html_content":"A FICO score is one of the most commonly used types of credit scoring.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/what-is-a-fico-score","title":"What is a FICO Score?","summary":"A FICO score is one of the most commonly used types of credit scoring.","date_modified":"2026-03-02T16:16:57Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/fair-credit-reporting-act-2","html_content":"\"The Act\" (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/fair-credit-reporting-act-2","title":"Fair Credit Reporting Act","summary":"\"The Act\" (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. ","date_modified":"2026-02-23T15:59:45Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/some-easytechniques-which-might-quickly-improve-credit-scores","html_content":"Get the 3 reports from the consumer credit reporting agencies.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/some-easytechniques-which-might-quickly-improve-credit-scores","title":"Some Easy Techniques Which Might Quickly Improve Credit Scores","summary":"Get the 3 reports from the consumer credit reporting agencies.","date_modified":"2026-02-16T19:16:50Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/thinking-of-closing-a-credit-card-account","html_content":"Why? Just don't need it? The annual fee is too high?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/thinking-of-closing-a-credit-card-account","title":"Thinking of Closing a Credit Card Account?","summary":"Why? Just don't need it? The annual fee is too high?","date_modified":"2026-02-09T20:31:08Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/buy-now-pay-later-1","html_content":"Have you used these services, whether for a large furniture or appliance purchase? How about ordering takeout food?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/buy-now-pay-later-1","title":"Buy Now, Pay Later","summary":"Have you used these services, whether for a large furniture or appliance purchase? How about ordering takeout food?","date_modified":"2026-02-02T18:54:49Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/the-hightlight-of-creadit-scores","html_content":"We have more than 1 credit score, but the main one is used by about 90% of all creditors is the FICO Score. And there are several FICO Score models. Also, the 3 credit agencies have their own credit scoring model, called...
","url":"https://creditscoresexpert.com/credit-scores-expert/f/the-hightlight-of-creadit-scores","title":"The Hightlight of Creadit Scores...","summary":"We have more than 1 credit score, but the main one is used by about 90% of all creditors is the FICO Score. And there are several FICO Score models. Also, the 3 credit agencies have their own credit scoring model, called...","date_modified":"2026-01-26T19:02:29Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/consistency-credit-scores","html_content":"There are 5 major components which make up credit scores.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/consistency-credit-scores","title":"Consistency & Credit Scores...","summary":"There are 5 major components which make up credit scores.","date_modified":"2026-01-19T19:47:06Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-freezes-1","html_content":"Did you get a letter that your information might have been compromised by a data breach by - well, criminals?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-freezes-1","title":"Credit Freezes...","summary":"Did you get a letter that your information might have been compromised by a data breach by - well, criminals? ","date_modified":"2026-01-12T18:52:02Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/new-year-a-new-beginning","html_content":"or perhaps it's a continuation of commitments you made to yourself.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/new-year-a-new-beginning","title":"New Year, A New Beginning... ","summary":"or perhaps it's a continuation of commitments you made to yourself.","date_modified":"2026-01-05T16:33:22Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/its-the-end-of-the-year","html_content":"So how about doing a financial review or reflection of your financial health of 2025.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/its-the-end-of-the-year","title":"It's the End of the Year...","summary":"So how about doing a financial review or reflection of your financial health of 2025. ","date_modified":"2025-12-29T16:09:10Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/beliefs-about-credit-which-are-wrong","html_content":"Closing accounts helps with credit histories and scores. We all have a CUR: Credit Utilization Rate (or ratio) which reflects how much credit we have available to us, versus how much credit we use. The lower the CUR, the...
","url":"https://creditscoresexpert.com/credit-scores-expert/f/beliefs-about-credit-which-are-wrong","title":"Beliefs About Credit Which are Wrong...","summary":"Closing accounts helps with credit histories and scores. We all have a CUR: Credit Utilization Rate (or ratio) which reflects how much credit we have available to us, versus how much credit we use. The lower the CUR, the...","date_modified":"2025-12-22T15:06:06Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/thinking-about-your-new-years-resolutions","html_content":"Great.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/thinking-about-your-new-years-resolutions","title":"Thinking About Your New Year's Resolutions?","summary":"Great. ","date_modified":"2025-12-15T14:26:27Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/know-your-credits---for-free","html_content":"Although you can get your 3 credit reports for free (this started for everyone during the pandemic), many consumers still pay to view their credit scores.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/know-your-credits---for-free","title":"Know Your Credit Scores - For Free...","summary":"Although you can get your 3 credit reports for free (this started for everyone during the pandemic), many consumers still pay to view their credit scores.","date_modified":"2025-12-08T16:59:06Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/buy-now-pay-later","html_content":"Do you use Buy Now, Pay Later (BNPL) services?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/buy-now-pay-later","title":"Buy Now, Pay Later","summary":"Do you use Buy Now, Pay Later (BNPL) services?","date_modified":"2025-12-01T17:56:21Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/about-credit-scores","html_content":"1. How Often Should I Check My Credit Score?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/about-credit-scores","title":"About Credit Scores...","summary":"1. How Often Should I Check My Credit Score?","date_modified":"2025-11-24T14:49:29Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/fannie-mae-not-requiring-a-hard-minimum-credit-score","html_content":"Going for a mortgage on anything from your starter home to your dream home?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/fannie-mae-not-requiring-a-hard-minimum-credit-score","title":"Fannie Mae does not Require a Minimum Credit Score","summary":"Going for a mortgage on anything from your starter home to your dream home?","date_modified":"2025-11-17T15:13:44Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/are-you-a-deadbeat-paying-bills-1","html_content":"It is actually a good position to be in - for consumers.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/are-you-a-deadbeat-paying-bills-1","title":"Are You a \"Deadbeat\" Paying Bills?","summary":"It is actually a good position to be in - for consumers. ","date_modified":"2025-11-10T14:26:58Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/identity-theft-words-that-can-strike-fear-and-concern-for-anyone","html_content":"With identity theft, especially credit and other accounts illegally opened, one of your best tools to help reduce or eliminate unauthorized accounts opened in your name is to have credit freezes done on your credit files...
","url":"https://creditscoresexpert.com/credit-scores-expert/f/identity-theft-words-that-can-strike-fear-and-concern-for-anyone","title":"Identity Theft: Words that can strike fear and concern for anyone","summary":"With identity theft, especially credit and other accounts illegally opened, one of your best tools to help reduce or eliminate unauthorized accounts opened in your name is to have credit freezes done on your credit files...","date_modified":"2025-11-03T20:37:53Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/financial-health-steps-you-can-take-now","html_content":"These are challenging financial times, so no matter if you are wealthy or not, many items and services are costing more. Here are just a few actions you can take now to improve (or maintain) your financial health:
","url":"https://creditscoresexpert.com/credit-scores-expert/f/financial-health-steps-you-can-take-now","title":"Financial Health Steps You Can Take Now","summary":"These are challenging financial times, so no matter if you are wealthy or not, many items and services are costing more. Here are just a few actions you can take now to improve (or maintain) your financial health:","date_modified":"2025-10-27T15:48:44Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/gen-z-credit-scores","html_content":"Gen Z (born between 1997-2012) is experiencing a difficult time maintaining good credit scores.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/gen-z-credit-scores","title":"Gen Z & Credit Scores","summary":"Gen Z (born between 1997-2012) is experiencing a difficult time maintaining good credit scores.","date_modified":"2025-10-20T15:19:42Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/are-your-credit-limits-being-reduced","html_content":"Because of the current state of the economy, and predictions the United States may enter a recession are increasing within the next year, many lenders and credit card issuers are taking a proactive approach.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/are-your-credit-limits-being-reduced","title":"Are Your Credit Limits Being Reduced?","summary":"Because of the current state of the economy, and predictions the United States may enter a recession are increasing within the next year, many lenders and credit card issuers are taking a proactive approach.","date_modified":"2025-10-13T15:29:54Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/mortgage-lenders-and-fico-scores","html_content":"Fair, Isaacs and Company, better known as FICO, will now license its credit score data directly to mortgage lenders.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/mortgage-lenders-and-fico-scores","title":"Mortgage Lenders and FICO Scores","summary":"Fair, Isaacs and Company, better known as FICO, will now license its credit score data directly to mortgage lenders.","date_modified":"2025-10-06T15:25:15Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-scores-are-falling","html_content":"According to the company, FICO, credit scores are dropping at a faster pace since the Great Recession, mostly because of the higher cost of living.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-scores-are-falling","title":"Credit Scores Are Falling...","summary":"According to the company, FICO, credit scores are dropping at a faster pace since the Great Recession, mostly because of the higher cost of living.","date_modified":"2025-09-22T14:26:58Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/how-credit-scores-are-calculated","html_content":"","url":"https://creditscoresexpert.com/credit-scores-expert/f/how-credit-scores-are-calculated","title":"How Credit Scores Are Calculated","date_modified":"2025-09-15T13:58:46Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/what-is-the-cur","html_content":"C.U.R. stands for Credit Utilization Rate (Ratio).
","url":"https://creditscoresexpert.com/credit-scores-expert/f/what-is-the-cur","title":"What is (the) C.U.R.?","summary":"C.U.R. stands for Credit Utilization Rate (Ratio). ","date_modified":"2025-09-08T14:15:16Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-scores-insurance-costs","html_content":"Sure, you know your credit scores can affect if you can get a loan and the interest you pay on that loan, but did you know that your credit scores can impact how much you pay for insurance, especially homeowner insuranc...
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-scores-insurance-costs","title":"Credit Scores & Insurance Costs","summary":" Sure, you know your credit scores can affect if you can get a loan and the interest you pay on that loan, but did you know that your credit scores can impact how much you pay for insurance, especially homeowner insuranc...","date_modified":"2025-09-01T14:24:34Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/you-can-prevent-identity-theft","html_content":"Identity theft is growing, especially with the use of AI, so it will always be a big problem for both individuals and organizations, and it comes in many forms, including:
","url":"https://creditscoresexpert.com/credit-scores-expert/f/you-can-prevent-identity-theft","title":"You Can Prevent Identity Theft","summary":"Identity theft is growing, especially with the use of AI, so it will always be a big problem for both individuals and organizations, and it comes in many forms, including: ","date_modified":"2025-08-25T13:45:40Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/simple-ways-to-improve-your-credit-scores","html_content":"(Yes, we all have multiple credit scores)
","url":"https://creditscoresexpert.com/credit-scores-expert/f/simple-ways-to-improve-your-credit-scores","title":"Simple Ways to Improve Your Credit Scores...","summary":"(Yes, we all have multiple credit scores)","date_modified":"2025-08-18T15:20:08Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/good-to-great-credit-scores-but-denied-a-credit-card","html_content":"If you have a good (or great) credit score, starting with 670 up to 850, but the credit card issuer declined you, you might have been surprised.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/good-to-great-credit-scores-but-denied-a-credit-card","title":"Good-to-Great Credit Scores but Denied a Credit Card?","summary":"If you have a good (or great) credit score, starting with 670 up to 850, but the credit card issuer declined you, you might have been surprised.","date_modified":"2025-08-11T14:27:17Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-freezes-for-protection","html_content":"Did you get a letter that either a health care company, a financial institution, or other organization experienced a data breach by - well, criminals?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-freezes-for-protection","title":"Credit Freezes for Protection","summary":"Did you get a letter that either a health care company, a financial institution, or other organization experienced a data breach by - well, criminals? ","date_modified":"2025-08-04T14:02:38Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/thinking-of-canceling-a-credit-card-1","html_content":"Why? Just don't need it? The annual fee is too high?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/thinking-of-canceling-a-credit-card-1","title":"Thinking of Canceling a Credit Card?","summary":"Why? Just don't need it? The annual fee is too high?","date_modified":"2025-07-28T15:56:13Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/renting","html_content":"If you are renting for your own use or for commercial purposes, your timely rent payments may be beneficial toward credit scores.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/renting","title":"Renting?","summary":"If you are renting for your own use or for commercial purposes, your timely rent payments may be beneficial toward credit scores.","date_modified":"2025-07-21T21:14:04Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/looking-to-get-a-loan-with-fannie-mae-or-freddie-mac","html_content":"FICO is the primary credit score resource lenders turn to when borrowers apply for mortgages. There might be an alternative for lenders to rely on: VantageScore.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/looking-to-get-a-loan-with-fannie-mae-or-freddie-mac","title":"Looking to Get a Loan with Fannie Mae or Freddie Mac?","summary":"FICO is the primary credit score resource lenders turn to when borrowers apply for mortgages. There might be an alternative for lenders to rely on: VantageScore. ","date_modified":"2025-07-14T14:46:00Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/its-official-about-buy-now-pay-later-services","html_content":"Do you think of \"Buy Now, Pay Later\" services as loans?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/its-official-about-buy-now-pay-later-services","title":"It's Official About Buy Now, Pay Later Services...","summary":"Do you think of \"Buy Now, Pay Later\" services as loans?","date_modified":"2025-07-07T14:08:24Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/not-just-one-credit-score","html_content":"Many references are made to just \"a\" credit score, but it's important to know that there are several credit scores.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/not-just-one-credit-score","title":"Not Just One Credit Score...","summary":"Many references are made to just \"a\" credit score, but it's important to know that there are several credit scores.","date_modified":"2025-06-30T15:06:08Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/credit-reporting-bureaus-or-agencies","html_content":"People know about credit scores, but what about the companies which monitor our credit histories?
","url":"https://creditscoresexpert.com/credit-scores-expert/f/credit-reporting-bureaus-or-agencies","title":"Credit Reporting Bureaus, or Agencies","summary":"People know about credit scores, but what about the companies which monitor our credit histories?","date_modified":"2025-06-23T13:12:40Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/are-you-honest-about-your-debt","html_content":"Four in 10 people lie about their credit card debt.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/are-you-honest-about-your-debt","title":"Are You Honest About Your Debt?","summary":"Four in 10 people lie about their credit card debt. ","date_modified":"2025-06-16T14:55:08Z"},{"id":"https://creditscoresexpert.com/credit-scores-expert/f/what-is-cur-and-why-is-it-important","html_content":"CUR stands for Credit Utilization Rate (or Ratio), and it represents the amount of debt you are using compared to the amount of debt available to you.
","url":"https://creditscoresexpert.com/credit-scores-expert/f/what-is-cur-and-why-is-it-important","title":"What is CUR, and Why is it Important?","summary":"CUR stands for Credit Utilization Rate (or Ratio), and it represents the amount of debt you are using compared to the amount of debt available to you.","date_modified":"2025-06-10T01:10:31Z"}]}