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.

How Late Can I Pay a Bill Before It Hurts My Credit?

How Late Can I Pay a Bill Before It Hurts My Credit?

How Late Can I Pay a Bill Before It Hurts My Credit?

It’s irritating to run across a bill and to realize it was due yesterday… or last week. If it’s a credit card bill, you may also have to pay a fee (sometimes, if it’s a rare slip-up, you can get it waived), and it can be especially scary to find an overdue bill if you have… Read More

What Real Millennials Want to Know About Credit

What Real Millennials Want to Know About Credit

What Real Millennials Want to Know About Credit

Last week I talked to a bunch of 20- and 30-somethings — members of the so-called millennial generation — about credit, and the conversation reminded me about how differently people deal with money. In many aspects of personal finance, things aren’t black or white, and what works for one person would be disastrous sfor another…. Read More

Can You Start a New Credit Report?

Can You Start a New Credit Report?

Can You Start a New Credit Report?

Sometimes, the best way to fix a problem is to start over. It’s probably the most common troubleshooting technique out there, especially when you’re dealing with technology — the power button is a wonderful thing. Unfortunately, there is no restart option when it comes to your credit history. Declaring bankruptcy is the closest thing there… Read More

11 States Where Employers Can’t Check Your Credit

11 States Where Employers Can’t Check Your Credit

11 States Where Employers Can’t Check Your Credit

In most of the country, a potential employer can review your credit report when evaluating you for a job you applied for, and it’s a very controversial practice, to say the least. There’s a growing movement to restrict these credit checks, and on May 6, New York City Mayor Bill de Blasio signed a law… Read More

What Happens to Your Credit When You Die?

What Happens to Your Credit When You Die?

What Happens to Your Credit When You Die?

What exactly does happen to your credit when you die? It’s certainly not an everyday question that comes up, but whether you’re dealing with the estate of a loved one, or you’re wondering for your own estate-planning purposes, it’s certainly an important one. It’s no minor detail to secure the credit details in the event… Read More

4 Ways You Can Wreck Somebody Else’s Credit

4 Ways You Can Wreck Somebody Else’s Credit

4 Ways You Can Wreck Somebody Else’s Credit

Nothing can sour a relationship faster than abusing trust — and when it comes to credit, it can happen by accident. A friend does you a favor, and then what should have been your problem somehow becomes theirs. Damaging someone else’s credit is easier to do than you might think, and repairing trust can be… Read More

3 Money Questions Everyone’s Too Embarrassed to Ask

3 Money Questions Everyone’s Too Embarrassed to Ask

3 Money Questions Everyone’s Too Embarrassed to Ask

It’s happened to me more than once. Someone finds out what I do and pulls me aside to ask a question about a financial or credit problem they’re having. They’re usually embarrassed and sometimes worry about being judged. I can’t blame them. Money troubles can be hard to discuss. The secret many don’t seem to… Read More

When’s the Right Time to Pull My Credit Reports?

When’s the Right Time to Pull My Credit Reports?

When’s the Right Time to Pull My Credit Reports?

A close friend recently asked me for advice about reviewing her credit reports and credit scores. A few years ago, when she got a mortgage, her scores were very good — in the 800s — but she has since had a run-in with a department store card that she fears may have had a negative impact on her credit. So… Read More

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