The Credit Score Podcast with Fexingo: FICO, Credit Reports, and Borrower Health

Lucas and Luna dig into a surprising FICO lever: your credit limit. Using the example of a listener who raised her limit by $4,000 and saw her score climb 18 points in 60 days, they explain the utilization-threshold effect, how lenders calculate individual vs. aggregate utilization, and why asking for a limit increase can backfire if your income is misstated. They also walk through the exact langu...

Lucas and Luna explain how your credit utilization ratio—the amount of credit you're using compared to your total available credit—can make or break your FICO score. Using real data from the Consumer Financial Protection Bureau, they reveal why 30 percent utilization isn't a magic number, how timing your payments can boost your score by 20 points, and why closing an old credit card might hurt you...

In this episode of The Credit Score Podcast, Lucas and Luna break down exactly what happens when a lender pulls your credit — the hard inquiry. Using real FICO data, they explain why one hard pull typically costs you fewer than five points, how the impact compounds if you're shopping for a mortgage or car loan, and why the credit-scoring models actually treat rate-shopping differently than applyin...

In the debut episode of The Credit Score Podcast, Lucas and Luna dissect the real-world cost of a single credit-score tier. They anchor on the difference between a 740 and a 730 FICO score — just ten points — and trace how that gap translates into a higher mortgage rate, thousands in extra interest over 30 years, and the often-misunderstood mechanics of FICO's scoring buckets. They walk through a...