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.

What to Do If You Can’t Get Your Free Annual Credit Report

What to Do If You Can’t Get Your Free Annual Credit Report

What to Do If You Can’t Get Your Free Annual Credit Report

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

Money 101: How to Get Your Credit Ready for College

Money 101: How to Get Your Credit Ready for College

Money 101: How to Get Your Credit Ready for College

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

Help! I Can’t Get a Loan Because I’m ‘Dead’

Help! I Can’t Get a Loan Because I’m ‘Dead’

Help! I Can’t Get a Loan Because I’m ‘Dead’

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

6 Mistakes You Make When You Check Your Credit

6 Mistakes You Make When You Check Your Credit

6 Mistakes You Make When You Check Your Credit

You may know that if you apply for a credit card, loan, a place to live or perhaps a job, there will be a credit check. But do you know what someone reviewing your credit will find? You can have at least an idea of the answer if you check your own credit first. Doing so… Read More

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

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