Credit 101

Our Credit.com experts are here to provide you with a practical, real world credit education. They’ll teach you credit basics such as: what is a credit report & score, how to shop for credit & score is & how to understand & compare APRs. They’ll also brief you on the type of credit products available and how to evaluate which one is right for you.

CFPB Fines Auto Company $2.75 Million for Distorting Credit Reports

CFPB Fines Auto Company $2.75 Million for Distorting Credit Reports

CFPB Fines Auto Company $2.75 Million for Distorting Credit Reports

It’s every consumer’s worst credit score nightmare — a lender dinging their score repeatedly by sending wrong, negative information to the credit bureaus for years. On Wednesday, the Consumer Financial Protection Bureau said a Texas-based auto lender did just that, sending bad data to credit bureaus through “systemic inaccuracies,” and ordered the firm to pay… Read More

3 Reasons to Check Your Credit Reports Regularly

3 Reasons to Check Your Credit Reports Regularly

3 Reasons to Check Your Credit Reports Regularly

Are you afraid to check your credit reports and scores because you are concerned that doing so will lower your scores? It’s a worry we hear all the time from consumers. But what if you learned that checking your credit won’t hurt your credit scores – and may even help them? That’s what happened to me… Read More

How I Got My Credit Score to 847

How I Got My Credit Score to 847

How I Got My Credit Score to 847

Before I had a credit card — before I even knew what a credit card was — I knew credit card debt was something to be avoided at all costs. I hadn’t yet graduated from banking of the piggy variety, and my mom already had me thinking about debt. She used my childhood curiosity as… Read More

How to Tell If You Have a Credit Score

How to Tell If You Have a Credit Score

How to Tell If You Have a Credit Score

It’s a question I get asked more often than you might think: How can I tell if I have a credit score? It’s a basic question, but it’s about a pretty complex topic. It’s not always so easy to understand your credit and how much it can affect our lives these days. So with that… Read More

How to Maintain Good Credit Without Debt

How to Maintain Good Credit Without Debt

How to Maintain Good Credit Without Debt

Credit is a system of trust, and that trust can only be established through experience. It doesn’t really matter how you get started — a credit card, student loans, a personal loan, asking someone else to co-sign a loan or add you as an authorized user to their credit card — but you have to… Read More

What Happens if I Never Check My Credit Report?

What Happens if I Never Check My Credit Report?

What Happens if I Never Check My Credit Report?

There’s no good reason to make your life more difficult, but that’s exactly what can happen if you never look at your credit report. Pulling your credit report may not be the most exciting thing on your to-do list, but it’s easy and it’s free. Not to mention that if you never take the time to review… Read More

Will a Pay Cut Hurt My Credit?

Will a Pay Cut Hurt My Credit?

Will a Pay Cut Hurt My Credit?

Income isn’t reported to credit bureaus, but your paycheck can still have an impact on your credit standing. Still, you don’t need to get nervous about what a pay cut (or raise) will do to your credit score, because there are ways to manage the effects of such a change. How Income Impacts Credit Your… Read More

How Often Should I Check My Credit Report?

How Often Should I Check My Credit Report?

How Often Should I Check My Credit Report?

Many people may put off checking their credit reports until they absolutely need to – perhaps because they’re applying for credit, or maybe they became aware of a problem with their credit. But there’s a lot to be said for proactively checking your credit – for one, you can discover errors, fraud or other problems,… Read More

Free Credit Reports: What’s the Catch?

Free Credit Reports: What’s the Catch?

Free Credit Reports: What’s the Catch?

Consumers are entitled to a free annual credit report from each of the three major credit reporting bureaus — Equifax, Experian and TransUnion. AnnualCreditReport.com is the place to go for those reports. A lot of companies offer free credit reports on a trial basis or as part of a paid product, like credit monitoring. Those… Read More

The True Cost of Bad Credit

The True Cost of Bad Credit

The True Cost of Bad Credit

Life’s easier if you have good credit, financially speaking. It can be challenging to get to that point, but aiming for great credit is a worthwhile goal, considering how costly it can be to have bad credit. You could have poor credit for a variety of reasons, and if you look at your credit score… Read More

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