Articles tagged with: FICO Score
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![Un-Paid Utility Bills Will Damage Your Credit Report and Lower Your FICO Score 100 Points](http://www.how-to-boost-your-fico-score.com/wp-content/themes/arthemia/scripts/timthumb.php?src=/wp-content/uploads/2013/04/un-paid-utility-bills-will-damage-your-credit-report-and-lower-your-fico-score-100-points.jpg&w=150&h=150&zc=1&q=100)
Your credit score report can be affect by more than your available credit history. We talk about how credit cards, mortgages, car loans, and any type of loan that reports to all 3 credit bureaus will affect your credit score. We don’t always talk about utility companies and how they can have a negative impact on your credit report. Here are utility companies I like to consider non-creditors. In other words these companies don’t give you a line credit, they just provide a service.
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![Simulated Credit Score & Credit Score Estimator](http://www.how-to-boost-your-fico-score.com/wp-content/themes/arthemia/scripts/timthumb.php?src=/wp-content/uploads/2014/10/calculate-your-simulated-credit-score-with-a-credit-score-estimator.jpg&w=150&h=150&zc=1&q=100)
The federal government gives us the right to a free credit report once a year. However, there’s no government mandate for annual free FICO Scores — the credit score lenders most often use to approve credit applications. You may be able to receive a free FICO Score by signing up for another subscription service, but that isn’t always a good option.
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![Divorced With Joint Credit Accounts can Lower Your FICO Score](http://www.how-to-boost-your-fico-score.com/wp-content/themes/arthemia/scripts/timthumb.php?src=/wp-content/uploads/2011/09/divorced-with-joint-credit-accounts-can-lower-your-fico-score.jpg&w=150&h=150&zc=1&q=100)
No consumer is prevented from acquiring credit solely based on marital status. The Equal Opportunity Credit Act outlaws discrimination of all forms to provide consumers with equal access to credit resources. If you recently experienced a divorce, however, your credit score may be negatively impacted after you separate from your spouse.