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 Soon Can a Creditor Send My Account to a Debt Collector?

How Soon Can a Creditor Send My Account to a Debt Collector?

How Soon Can a Creditor Send My Account to a Debt Collector?

One of the worst things you can do to your credit is miss a bill payment, because of all the things that go into credit scores, payment history has the greatest impact. But missing payments on non-credit accounts — like rent, a cellphone bill or utility payments, which aren’t traditionally reported to credit bureaus or... Read More

How Old Do I Have to Be to Check My Credit?

How Old Do I Have to Be to Check My Credit?

How Old Do I Have to Be to Check My Credit?

With thieves now stealing the identities of children, it’s becoming increasingly important to get a credit report at an earlier age. It’s always crucial to know if your own data has been compromised. If you’re 14 or older, you can request a copy of your credit report, according to the credit bureau Experian. If you’re younger, your... Read More

4 Things to Do If Your Credit Is Giving You #PhelpsFace

4 Things to Do If Your Credit Is Giving You #PhelpsFace

4 Things to Do If Your Credit Is Giving You #PhelpsFace

Michael Phelps is one of the greatest swimmers of all time. He has the most Olympic medals of all time. And, as we have now learned, he has the greatest side-eye of all time. Last night, #PhelpsFace became an instant meme after cameras caught Phelps’ epic death stare, directed toward rival swimmer Chad le Clos... Read More

I Have No Credit History. What Does That Mean?

I Have No Credit History. What Does That Mean?

I Have No Credit History. What Does That Mean?

In case you haven’t noticed, we get really excited about people checking their credit. We know that when people know what’s affecting their credit, then they will have a better idea of how to make their credit better. It’s not just us — a survey recently came out saying that regularly checking your credit can... Read More

6 Universal Truths About Credit Reports

6 Universal Truths About Credit Reports

6 Universal Truths About Credit Reports

Credit reports: They’re complicated. You can’t really argue with that sentiment: They are long and often unwieldy; there are three major versions of them, and they can affect more facets of your life — like, say, your ability to get certain jobs — than you may think. Fortunately, there are some things that are true, no matter... Read More

Do You Start With a Credit Score of ‘0’?

Do You Start With a Credit Score of ‘0’?

Do You Start With a Credit Score of ‘0’?

When you think about it, credit scores have a lot in common with the SATs: They stress people out, involve tough-to-answer questions and play a huge role in determining whether your applications (albeit for financing) get denied. There’s another notable similarity, too, which you may not know about: When it comes to credit scores, you can’t get a zero. The... Read More

4 Credit Score Myths That Are Totally Wrong

4 Credit Score Myths That Are Totally Wrong

4 Credit Score Myths That Are Totally Wrong

We all know that your credit score is really important, so it’s no surprise that you’d want to increase your credit score whenever possible. First, it’s important to know what your credit score says about you. It’s a measure of your creditworthiness. It’s not a measure of your wealth. It’s not a measure of how... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.