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.

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

Your Biggest Credit Report Complaint May Be Getting Fixed

Your Biggest Credit Report Complaint May Be Getting Fixed

Your Biggest Credit Report Complaint May Be Getting Fixed

Today the three major credit reporting agencies — Equifax, Experian and TransUnion — agreed to a settlement with the New York Attorney General’s office to overhaul the national credit reporting process to better serve Americans. The agreement includes changes to the credit report dispute process, how some negative information can appear on credit reports and… Read More

Is a Free Credit Report Accurate?

Is a Free Credit Report Accurate?

Is a Free Credit Report Accurate?

Offers for free things are usually followed by asterisks, tiny print, “buts” and “ifs.” That’s not the case with free annual credit reports. Credit report information can vary, depending on when you request it and the credit bureau compiling your report, but as far as whether there’s a difference between free credit reports and ones… Read More

Can You Get a Perfect Credit Score?

Can You Get a Perfect Credit Score?

Can You Get a Perfect Credit Score?

So you’re a little ambitious — competitive, maybe — and the idea of a good credit score seems a little, well, tame. You want a perfect credit score. But is that even possible? Shantai Dixon is hoping so. She wrote recently on the Credit.com blog: Is it possible to get a credit score to reach “perfect”… Read More

5 Good Credit Habits to Start in 2015

5 Good Credit Habits to Start in 2015

5 Good Credit Habits to Start in 2015

Improving your credit and debt situation in 2015 may not require drastic changes. In fact, simply developing a few good habits can go a long way toward putting you in a better place by this time next year. Here are five of them. 1. Ensure On-Time Payments We all know paying our bills on time… Read More

Can You Be Denied an Apartment Because of Bad Credit?

Can You Be Denied an Apartment Because of Bad Credit?

Can You Be Denied an Apartment Because of Bad Credit?

The most well-known consequence of having bad credit is trouble getting loans or credit cards, but a low credit score can also make it difficult to find a place to live. Landlords, especially large property-management companies, will likely check your credit report before approving your lease, and there are plenty of negative items that landlords… Read More

Why Rich People Still Need Good Credit

Why Rich People Still Need Good Credit

Why Rich People Still Need Good Credit

Wealth is pretty subjective: Average wage-earners can go through life debt-free and have money to spare upon retirement, while millionaires have been known to mismanage their finances and end up bankrupt. The figures on your paycheck carry you only so far, because business partners, employers and lenders won’t care how much money you make if… Read More

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