The three major credit bureaus — Equifax, Experian and TransUnion — keep track of your credit score and financial history. Ideally, you can pull your credit report every year for free through ...

Even with apps and online account services, calling the number on the back of your credit card makes sense in some situations. Human representatives may have more discretion to waive late fees, lower ...

Credit card issuers often report to the credit bureaus at the end of every billing cycle, but the exact dates can vary. Activities like on-time or late payments and credit utilization are reported, ...