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 Born With a Credit Score?

Are You Born With a Credit Score?

Are You Born With a Credit Score?

You may have heard that age impacts your credit, leading you to believe you’re born with a credit score. While it is true that age is a factor, it isn’t your age — it’s actually the age of your accounts that affects your credit scores. So, no, you aren’t born with credit scores (and may... Read More

Why Are Credit Reports So Hard to Understand?

Why Are Credit Reports So Hard to Understand?

Why Are Credit Reports So Hard to Understand?

Does trying to read your credit report feel like you are reading another language entirely? This is a perfectly normal reaction when reading one of your reports for the first time or if you are not in the habit of reviewing your credit reports regularly. “While your credit reports may be hard to read at... Read More

How Businesses Can Build Good Credit (& Why It’s Important)

How Businesses Can Build Good Credit (& Why It’s Important)

How Businesses Can Build Good Credit (& Why It’s Important)

Many people are unaware that their business has a credit score. If you own or plan to own a business, your business credit can be equally as important as your personal credit. Building a solid business credit history will allow you to secure loans and even be on a good standing with potential suppliers. Here... Read More

How Long Will It Take To Achieve Better Credit?

How Long Will It Take To Achieve Better Credit?

How Long Will It Take To Achieve Better Credit?

Lenders use your credit report and credit score to help them determine how much to lend you, and at what interest rate. That credit report is derived from your credit history — an algorithm of your past credit usage (including how much credit you have, how well you pay it off, and what mix of... Read More

It’s Divorce Season: Here’s How to Keep Good Credit While Splitting

It’s Divorce Season: Here’s How to Keep Good Credit While Splitting

It’s Divorce Season: Here’s How to Keep Good Credit While Splitting

No one ever said divorce would be easy, especially when it comes to your finances. But if you’re contemplating a break, hired an attorney or just got served papers, managing your credit should be of utmost importance to you. Your finances, like your personal situation, are going to change, and you’ll need to protect them to secure... Read More

The Important Financial Lesson You Won’t Learn in College

The Important Financial Lesson You Won’t Learn in College

The Important Financial Lesson You Won’t Learn in College

As a college student, it may not be important to know what a credit score is, right? Wrong. Even though you are likely new to the credit history world, it doesn’t mean you shouldn’t have an idea on how it works. Here we’ll help you understand what credit scores are and why they’re important. What... Read More

Help! When Do I Get the Results of My Credit Card Dispute?

Help! When Do I Get the Results of My Credit Card Dispute?

Help! When Do I Get the Results of My Credit Card Dispute?

Errors on your credit report can be disconcerting. Not only could they be unduly weighing down your credit scores, they could be a sign of a deeper issue — identity theft. Given these and other potential pitfalls, it’s understandable that a person dealing with errors would want to see their credit report disputes addressed as quickly... Read More

A Simple Guide to the Different Kinds of Credit Bureaus

A Simple Guide to the Different Kinds of Credit Bureaus

A Simple Guide to the Different Kinds of Credit Bureaus

You may hear people talk about their credit report as if there is only one, coming from one source. But that’s just not the case. There are many credit reports and credit bureaus out there. When you review your credit, chances are that it is coming from one of the “big three” — Equifax, Experian... Read More

Can I Check My Dead Relative’s Credit Reports?

Can I Check My Dead Relative’s Credit Reports?

Can I Check My Dead Relative’s Credit Reports?

Losing a loved one can be incredibly difficult, particularly if you are responsible for handling their estate. On top of the emotion and loss, there is the planning, paperwork and daunting task of paying off any debts they might owe — daunting because sometimes finding all their accounts can be difficult. Fortunately, the three major credit... Read More

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