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Credit 101 Learn more about which factors impact your credit score with our Credit 101. See All
Blog Explore the Credit Strong blog featuring credit building trends, personal finance articles, and credit tips. See All
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Credit 101

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How FICO Scores Work

Your FICO score is calculated by a computer algorithm that evaluates many sources and types of information on your credit report when you apply for credit. By analyzing the information and patterns in your credit profile to patterns in millions of past credit reports, your FICO score provides lenders a consistent and reliable assessment of how risky it may be to lend you money.

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Latest blog posts

Business Insider: New product FreeKick lets parents help their children build credit without making them an authorized user

Written by Paul Kim; edited by Jasmin Baron  May 15, 2023, 4:32 PM CST FreeKick is a credit-builder product that can help parents build credit for their

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How to Get Rid of PMI on an FHA Loan

If you put down less than 20% on a conventional home loan, your lender will charge you private mortgage insurance (PMI) in addition to the principal and interest portions of your

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The Minimum Credit Score for a VA Loan

The Department of Veterans Affairs (VA) offers many benefits to military service members. Prominent among them is the VA home loan, which is one of the ways the department

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Latest company news

CardRates.com: FreeKick Helps Parents Build Strong Credit for Their Children Without Setting Them Up as Authorized Users

By Mike Senecal August 29, 2023 In a Nutshell: Starting adult life with a meager credit history or a low credit score is never an advantage. But there are financial

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Fast Company: As Gen Z consumers look to build credit histories, FreeKick offers a possible way in

BY SAM BECKER Many young people in the United States face a common conundrum when entering the job market: It’s difficult to find a job without experience and you

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Consumer Affairs: Pros and Cons of Being an Authorized User on a Credit Card

Austin Capital Bank CEO and founder and creator of FreeKick Erik Beguin is quoted in this article on pros and cons of being an authorized user on a credit card. View the

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Inc. Magazine Names Austin Capital Bank To Inc. 5000 List For Seventh Consecutive Year

Bank revenue increases to almost $50 million Austin, TX (Aug. 16, 2022) – Fueled by record-revenue over the past three years, Austin Capital Bank was named to Inc.

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