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 Some Credit Report Errors Easier to Fix?

Are Some Credit Report Errors Easier to Fix?

Are Some Credit Report Errors Easier to Fix?

If you’re staring at an error on your credit report, you’ll be happy to know that you can file a dispute with the credit bureaus to have it removed. But be aware: Some errors are easier to resolve than others. How Credit Report Disputes Work The Fair Credit Reporting Act entitles all consumers to dispute... Read More

I’m Divorced, So Why Is My Spouse Still on My Credit Report?

I’m Divorced, So Why Is My Spouse Still on My Credit Report?

I’m Divorced, So Why Is My Spouse Still on My Credit Report?

In the midst of your divorce, you’ve probably discussed separating your assets, but you might be less inclined to talk about who’s going to take responsibility for shared debts. Most courts will divide up responsibilities for these during a divorce decree, giving one individual the ownership of each debt. However, “the decree does not change the... Read More

Does Everything on My Credit Report Affect My Credit Scores?

Does Everything on My Credit Report Affect My Credit Scores?

Does Everything on My Credit Report Affect My Credit Scores?

Credit reports, as you’ve no doubt heard, are tremendously important. After all, the information on them dictates your credit scores, which, in turn, dictate whether you’re able to readily score things like a mortgage, auto loan, credit card and even affordable insurance or cellphone plans. But not every piece of information on that crucial report... Read More

8 Credit Score Quirks You Might Not Know About

8 Credit Score Quirks You Might Not Know About

8 Credit Score Quirks You Might Not Know About

[Offer: Your credit score may be low due to credit errors. If that’s the case, you can tackle your credit reports to improve your credit score with help from Lexington Law. Learn more about them here or call them at (844) 346-3296 for a free consultation.] Image: PeopleImages

Help! A Credit Card Ruined My Credit

Help! A Credit Card Ruined My Credit

Help! A Credit Card Ruined My Credit

It happens to the best of us — we fall into debt with a little help from our plastic. But while getting into debt is easy, getting out of it is another story. For some, it can even take decades. If your card has an unwieldy balance that’s weighing your credit down, here are some steps to consider. 1. Put... Read More

Can My Mom See My Credit Report?

Can My Mom See My Credit Report?

Can My Mom See My Credit Report?

Credit reports are a really personal thing. Think about it: Not only does it document every little credit mistake you made, dollar you borrowed or account you opened in the last several years, it also contains a lot of sensitive information, like your address and Social Security number. That’s a big reason why the credit... Read More

5 Fast Ways to Tank Your Good Credit Score

5 Fast Ways to Tank Your Good Credit Score

5 Fast Ways to Tank Your Good Credit Score

Building a good credit score takes time and effort. Damaging your credit, unfortunately, is a different story. There are few major faux pas that could cause a stellar credit score to plummet seemingly overnight. Here are the big missteps to watch out for. 1. A First Missed Payment Payment history is the most important component of major... Read More

Help! I Can’t Fix My Bad Credit

Help! I Can’t Fix My Bad Credit

Help! I Can’t Fix My Bad Credit

You’ve actively tried to improve your credit. You’ve pulled your free credit reports, checked for errors and identified what was holding you back. But even though you’ve instituted some good behaviors, like addressing that old collection account or making minimum payments on your credit card account, your bad score just won’t budge. What should you do... Read More

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