My Credit Plan Blog

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My Credit Plan is the nation's leading FICO® Score improvement program with an average score improvement of 73 points! If you want to increase your FICO scores, set up an account today and start your credit score journey to higher levels! There is a minimal charge for services. My Credit Plan and its blog is operated by Family Financial Education Foundation, a 501 (c) (3) non-profit credit counseling agency. This blog offers many unique insights from direct research. My Credit Plan's blog and website are designed to help you find the correct answers to many of your questions, explain why, correct misinformation, and identify solutions to improve your FICO scores. Let’s go! (Information referenced on this blog must be sourced.)

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Do you know when a lender's inquiry lowers your FICO scores? Or how your interest rate is determined on your mortgage? And the best loan to take out when trying to reestablish and build your FICO scores the fastest?

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Understand how your purchasing power is impacted from your credit scores - even one point. Once you know the insights to how lenders use credit scores, you can maximize your purchasing power. This is for everyone to know.

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Know what is the best credit account to open for a 18 year old? Know how the balance is determined on the utilization ratio? How long does a hard inquiry impact a credit score? Find expanded explanations to these questions and more.