How credit scores are evolving to improve access to credit

Credit rating agencies are making it easier to count recurring bills toward your score. They’re also making changes related to medical debt.

NEW YORK — A low credit score can hurt your ability to take out a loan, secure a good interest rate, or increase the spending limit on your credit card.

Some reasons for a low score are out of your control — such as unexpected medical debt or a lack of credit history.

Credit rating agencies are now working to improve access to credit by giving people more time to pay medical bills before the debt appears in reports, and by removing

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