Menu Search Help Log In Modern knowledge on managing and maximizing your personal finances. -Opening in same window Money -Opening in same window Cards -Opening in same window Credit Score What Are UltraFICO and the Other New Credit Scores? Platinum, Reinvented: New Travel, Airline, & Hotel Benefits Choosing the Best Rewards Credit Card for Travel Finding the Best Cash Back Credit Card for Your Needs Real credit talk from quality sources Soft vs Hard Credit Inquiries: What’s the Difference? When anyone – including you – checks your credit report, that inquiry may get noted as part of your credit history. It can be either a ‘hard’ or ‘soft’ inquiry. Tell Me More What Is a Credit Tradeline? A credit tradeline is the credit bureau term for an account on your credit report. Here are the three types of tradelines and what information each includes. Tell Me More Some of the reasons your credit score can go down are obvious, but other times it’s less evident. Learn what could cause your credit score drop. Learn More > See All Credit Score Topics → Ideas on saving & budgeting Learn how to find the best personal loan interest rate offer online by following these four expert suggestions. Learn How > Protecting Yourself from Gift Card Scams Knowing the types of gift card scams and tips to avoid them can help keep you safe from this increasingly common form of fraud. Tell Me More 9 Tips for How to Decorate Your Home on a Budget There are different factors involved when you decorate – or redecorate – your home. Here are nine tips on how you can decorate your home without spending a lot of money. Tell Me More 4 Ways to Boost Your Financial Security The COVID-19 pandemic forced many individuals and families to consider what it means to be financially secure. Here are 4 ways to build financial security. Tell Me More See All Money Topics → Looking for a credit card? What Is the Best Credit Card for Travel? Getting the best travel rewards credit card depends on understanding your personal travel goals and spending habits so you can match them to different cards’ benefits. Tell Me More Rose Gold Is Back – Here’s How to Make the Most of It American Express® Rose Gold is back, so you can choose the card that fits your style while earning Uber Cash, accelerated points on dining and groceries, and more. Tell Me More What’s the Best Premium Travel Credit Card for 2021? The best premium travel credit cards can help you get to desired destinations faster and make trips more pleasant. But the right card depends on your travel needs. Tell Me More The allure of the American Express® Gold Card’s Rose Gold option goes beyond its many benefits, points-earning potential, or travel and dining credits. Read on and find out > See All Cards Topics → Learn more about credit scores There’s no minimum credit score needed for getting a credit card. Whatever your credit score, you’re likely to have multiple options to get a card. Learn More > Different Types of Credit Scores You have different credit scores depending on the credit bureau and specific scoring model used by lenders. Learn more about the different types of credit scores. Tell Me More How to Self-Report Good Information to Credit Bureaus While you can’t self-report to credit bureaus, you can typically authorize certain information to be included in your credit report, like on-time rent payments. Tell Me More See All Credit Score Topics → The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors. Read More Financial Education Topics in Spanish → Shop All American Express Credit Cards Travel Cash Back Reward Points No Annual Fee 0% Intro APR No FX Fee Airline Hotel Low Interest ABOUT About American Express Investor Relations Careers Global Network Contact Us Amex Mobile App PRODUCTS & SERVICES Credit Cards Business Credit Cards Corporate Programs Prepaid Cards Savings Accounts & CDs Gift Cards LINKS YOU MAY LIKE Membership Rewards Free Credit Score & Report CreditSecure® Bluebird Accept Amex Cards Refer A Friend ADDITIONAL INFORMATION Credit Intel – Financial Education Center Supplier Diversity Credit 101 Money Management 101 US Newcomers Frequently Asked Questions United StatesChange Country Terms of ServicePrivacy CenterAdChoicesSecurity CenterCard AgreementsServicemember BenefitsSite Map All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. © 2021 American Express. All rights reserved