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 Often Should I Check My Credit Report?

How Often Should I Check My Credit Report?

How Often Should I Check My Credit Report?

Many people may put off checking their credit reports until they absolutely need to – perhaps because they’re applying for credit, or maybe they became aware of a problem with their credit. But there’s a lot to be said for proactively checking your credit – for one, you can discover errors, fraud or other problems,… Read More

Free Credit Reports: What’s the Catch?

Free Credit Reports: What’s the Catch?

Free Credit Reports: What’s the Catch?

Consumers are entitled to a free annual credit report from each of the three major credit reporting bureaus — Equifax, Experian and TransUnion. AnnualCreditReport.com is the place to go for those reports. A lot of companies offer free credit reports on a trial basis or as part of a paid product, like credit monitoring. Those… Read More

The True Cost of Bad Credit

The True Cost of Bad Credit

The True Cost of Bad Credit

Life’s easier if you have good credit, financially speaking. It can be challenging to get to that point, but aiming for great credit is a worthwhile goal, considering how costly it can be to have bad credit. You could have poor credit for a variety of reasons, and if you look at your credit score… Read More

Where Did Credit Reports Come From?

Where Did Credit Reports Come From?

Where Did Credit Reports Come From?

We may be in an age of Big Data, but collecting information on consumers is nothing new. Credit reporting goes back to the late 1800s, when it was just a couple of guys going from door to door, asking merchants to describe the customers who had credit at their stores. The technical, sometimes-long files we… Read More

5 Quick-Fix Credit Tips That Don’t Work

5 Quick-Fix Credit Tips That Don’t Work

5 Quick-Fix Credit Tips That Don’t Work

There’s nothing wrong with looking for an easy solution to your problems — except for when your quick fix is a waste of time. You can find a lot of tips for improving your credit by searching the Internet, but they’re not all accurate, and some can actually hurt your credit score. Here are a… Read More

What Your Credit Reports Won’t Tell You

What Your Credit Reports Won’t Tell You

What Your Credit Reports Won’t Tell You

A credit report is a pretty simple concept: It’s a report on your past use of credit and loans. That part is generally pretty easy for people to grasp. It’s some of the other stuff on the report — and the stuff that’s not on the report — that confuses some and leads to misunderstanding… Read More

What’s in My Credit Report?

What’s in My Credit Report?

What’s in My Credit Report?

Credit reports are among the many documents in our lives that are a dreadful combination of boring and important. They can also be very long, which adds to the fun of reviewing one. But they’re not all that bad once you know what you’re looking at, and it’s pretty self-explanatory: It’s a report on your… Read More

The Rules of Credit Repair

The Rules of Credit Repair

The Rules of Credit Repair

There are no shortcuts to building great credit: Everyone starts with nothing, and if your credit score tumbles at some point, it takes time, patience and planning to recover. That doesn’t mean you have to figure it out by yourself, though you certainly can. If you have poor credit, want to improve it and don’t… Read More

The Smart Way to Rebuild Credit

The Smart Way to Rebuild Credit

The Smart Way to Rebuild Credit

Even if you’re not the most organized person, you should have a plan for building a good credit score.  The good news is building credit isn’t complicated — you just need to know a few things to get started. Know What You’re Dealing With If you don’t know what’s broken, you’re going to struggle to… Read More

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