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NEED FOOD? Contact the USDA National Hunger Hotline by dialing 1-866-3-HUNGRY, 1-877-8-HAMBRE, or texting 914-342-7744.

Credit & Financial Tools

For those looking to boost their credit scores with cell phone and utility payment records, the Experian Boost program takes these records into consideration, based on Experian data.

According to Credit.com, there are five factors to consider for calculating one’s credit score: Payment history; credit utilization; age of credit; types of accounts; application history.

How Is My Credit Score Calculated? | Credit.com). “VantageScore creates a single tri-bureau model that can be used with a credit report from Experian, Equifax or TransUnion” while “FICO® creates bureau-specific scoring models” (par. 7). Per Experian, “…on the 300-to-850 scale, a score of at least 670 (for FICO®) and 700 (for VantageScore) will generally qualify as having good credit (par. 16)

The Difference Between VantageScore and FICO® Scores – Experian

MyFico writes, “Soft inquiries such as viewing your own credit report will not affect your FICO Score. Hard inquiries such as actively applying for a new credit card or mortgage will affect your score (Credit Checks: What are credit inquiries and how do they affect your FICO® Score? par.2).

How Do Credit Inquiries Affect Your FICO Score? | myFICO

Where to Go for Free Copies of Credit Reports

For those who have credit cards, most people can check credit scores for free through their accounts at their crediting institutions.

Free Credit Reports

Credit & Debt Resource Education Tools




Financial Calculators Archives – Consumer Credit


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