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.
Employer credit checks are controversial. Opponents say job applicants’ credit histories have no relation to job performance. On the other hand, some people argue that credit checks help employers assess the fraud risk an employee poses to the company. For example, someone with a history of late payments may not be an ideal candidate for a... Read More
Mistakenly applying for credit is pretty difficult to do. First of all, you need to provide a lot of personal information during the application process, which you should never do carelessly. “The required disclosures would make it very hard to accidentally apply for a credit card,” said Nessa Feddis, senior vice president at the American... Read More
I was visiting a house of worship last Sunday – no, I didn’t have to wear a name tag – and while listening to Pastor Ryan (who coincidentally is also a lawyer) talk about the ways in which one can gain wisdom, the life lesson he discussed has applications far beyond the realm of morality... Read More
One of the most common concerns we hear from readers is that their credit report contains errors or information they don’t understand or recognize. There are a number of reasons wrong information could be on your credit report, but the solution is often to dispute the information with the credit bureaus to get it removed... Read More
Credit can be confusing, and sometimes overwhelming. But you don’t have to struggle with debt, credit report issues or other financial problems alone. There are reputable sources that can help you get back on track, and many offer low-cost or free credit help. 1. Credit Counselors Financial counseling agencies often do much more than just... Read More
Are you concerned that your stalker ex-boyfriend or nosy neighbor can easily check your credit? You don’t have to be… or at least it isn’t quite that easy. According to the federal Fair Credit Reporting Act, only those with a legitimate need can request – and obtain– a copy of your credit report. However, not all... Read More
At some point, everyone has no credit history. We all have to start somewhere, and with good planning and smart decisions, you can get a great credit score. It’s not an exact science — nothing with credit is — but building a great credit score isn’t complicated. Here are the basics. 1. Start Your Credit... Read More
Let’s talk about free credit reports. First of all, the big question: Are they really free? Yep. Federal law requires the three major credit reporting agencies — Equifax, Experian and TransUnion — to give consumers a free copy of their credit reports every year (here’s how to get yours). You can get credit reports from many places,... Read More
For many students, the beginning of your college career is also the beginning of your transition to adulthood. You will likely have more freedom — and responsibility — than you have ever had before. One of the most important aspects to being an adult is planning ahead and living with intention, especially when it comes... Read More
There are countless ways your credit report can get messed up, all of which can seem pretty annoying to fix. Perhaps one of the most unsettling problems you might find with your credit report is if it says you’re dead, when you’re most certainly alive. It’s not unheard of for consumers to apply for credit and... Read More
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