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O'Bryan Blog

Is 600 a Good Credit Score
Credit Score & Report

Is 600 a Good Credit Score?

Since the 1950s, Americans have been judged by their ability to accrue and pay off debts with a credit score. What started out as a way for mortgage lenders to

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what is a cpn
Credit Score & Report

What Is a CPN?

Table of Contents Many find discomfort in giving out their own social security number to financial institutions. Generally, this concern stems from fear of becoming the victim of identity theft

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what is the highest credit score
Credit Score & Report

What Is the Highest Credit Score?

Table of Contents How Does Credit Score Work? There are multiple credit scoring institutions, each having varying methods of calculation. As a result, most will have slightly different scores as

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credit card churning explained

What is Credit Card Churning?

Credit card churning is the art of using a credit card company’s marketing efforts to your advantage. It is a risky practice, but many use lenders’ strategies to rack up

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How often do credit reports update
Credit Score & Report

How Often Do Credit Reports Update?

When an individual is working on building or rebuilding their credit, it is only natural that they will want to see updates on their report. This is why people often

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