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.

Are You Afraid to Apply for Credit?

Are You Afraid to Apply for Credit?

Are You Afraid to Apply for Credit?

About 1 in 5 (19%) people haven’t applied for credit because they were afraid of being turned down, according to the Federal Reserve’s Survey of Consumer Finances. Even more surprising: That number is larger than the group who said they were turned down for credit when they applied (16.4%)! Those two numbers likely indicate consumers… Read More

Does Bad Credit Last Forever?

Does Bad Credit Last Forever?

Does Bad Credit Last Forever?

There’s no sugarcoating it: Going through foreclosure, bankruptcy or debt collection is unpleasant. When going through financial problems, it may seem like things are far from getting better, including your credit score, but having a few bad marks on your credit history doesn’t mean you’ll never bounce back. Eventually, negative items will age off your… Read More

What’s Your Credit Score IQ?

What’s Your Credit Score IQ?

What’s Your Credit Score IQ?

Most people know a good credit score is crucial to getting an affordable loan or credit card, but there are a lot of misconceptions out there about credit scoring. If you want to boost your score, you first need to understand a few basics. Do you think you know them? Find out by taking this short… Read More

More People Are Getting Credit. Is That a Good Thing?

More People Are Getting Credit. Is That a Good Thing?

More People Are Getting Credit. Is That a Good Thing?

A new report from Equifax shows that credit in America has risen to a six-year high. I’m a proponent of maintaining healthy credit, and at first blush this report may seem a little shocking and worrisome. This is why I decided to dig into it a little deeper and share my thoughts with you. Yes,… Read More

How Do Credit Report Errors Happen?

How Do Credit Report Errors Happen?

How Do Credit Report Errors Happen?

If you have seen wrong information on your credit report — and plenty of people have — you’ve probably wondered how it got there. After all, if the statements you get from your lenders are accurate, shouldn’t your credit reports be? Credit reporting agencies manage billions of pieces of information about our credit histories, though, and there… Read More

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

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