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2. Don't fall for a credit repair scam: Clean up your credit for ...

   www.aol.com/finance/credit-repair-160240600.html

   While credit repair companies often claim they can "erase" bad credit or boost your scores, claims like these can be both false and misleading. Follow 5 steps to fix your credit without spending a ...

3. Criticism of credit scoring systems in the United States

   en.wikipedia.org/wiki/Criticism_of_credit...

   2004 study found the median credit score for whites in 2001 was 738, but the median credit score for African Americans was 676 and for Hispanics was 670. [ 37 ] 2004 research study found fewer than 40% of consumers who lived in high-Black Indigenous and people of color [BIPOC] neighborhoods had credit scores of over 701.

4. 3 Lies You've Been Told About Boosting Your Credit Score

   www.aol.com/3-lies-youve-told-boosting-130021118...

   Your credit score is a measure of how well you manage debts, and how you use the various lines of credit available to you. But whether you have $500 in your savings account or $50,000 is irrelevant.

5. How to repair your credit in 5 steps - AOL

   www.aol.com/finance/repair-credit-5-steps...

   The lower you keep your credit use, the better it will reflect on your credit score. Don’t close paid-off credit accounts One good decision is to avoid closing any credit accounts you pay off.

6. VantageScore FAQs - AOL Help

   help.aol.com/articles/VantageScore-FAQs

   Your VantageScore 3.0 from Experian indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting ...

7. How to cancel a credit card without hurting your credit score

   www.aol.com/finance/cancel-credit-card-without...

   This may increase your credit utilization ratio, which can decrease your credit score. Here’s an example: You have five credit cards each with a $1,000 limit, making your total available credit ...