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 to Read Your Credit Reports

How to Read Your Credit Reports

How to Read Your Credit Reports

You’ve decided to take the plunge and review your credit reports. The first part — getting them — should be easy enough. Just hop over to AnnualCreditReport.com and request them online, by telephone or by mail. Once you have them, the fun begins. You get to read and try to understand your credit reports. It… Read More

The 5 Most Confusing Things on Your Credit Report

The 5 Most Confusing Things on Your Credit Report

The 5 Most Confusing Things on Your Credit Report

You know that you should review your credit reports. So you do. But when you do, you find yourself confused, wondering if it was worth it. It definitely is. Here are five things about credit reports consumers often find confusing, and how to find some clarity. 1. Boxes and More Boxes The first thing you… Read More

What Am I Doing Wrong With My Credit?

What Am I Doing Wrong With My Credit?

What Am I Doing Wrong With My Credit?

If you want to improve your credit, you need to look at your finances from a different point of view: a lender’s. Credit histories and scores are designed to give financial institutions an idea of what kind of borrower you are; the data help them decide whether taking you on as a customer is worth… Read More

Confused by Credit? You’re Not Alone

Confused by Credit? You’re Not Alone

Confused by Credit? You’re Not Alone

To anyone who has ever felt overwhelmed by credit reports, credit scores, debt management, budgeting, choosing credit cards or applying for loans: It’s OK. You’re not alone. Because personal finance touches most aspects of life, there are myriad tools for understanding and managing it, and if any of it seems confusing, there’s certainly something or… Read More

What’s the Greatest Generation for Credit?

What’s the Greatest Generation for Credit?

What’s the Greatest Generation for Credit?

When it comes to paying the bills, Generation X is facing some challenges. Experian released its fourth annual State of Credit report analyzing the credit health of the four generations, and younger Americans appear to be struggling to practice responsible financial habits relative to their elders. The report looks at overall debt load, outstanding credit… Read More

How an Online Rant Can Hurt Your Credit

How an Online Rant Can Hurt Your Credit

How an Online Rant Can Hurt Your Credit

Consumers regularly complain online about a disappointing service or product, whether to get the attention of a company’s customer service or inform potential customers. Many people appreciate such reviews and find them helpful. Merchants may not enjoy negative feedback, but what can they do about it, fine you? It has happened before, according to a… Read More

4 Credit Lessons to Teach Your Teen

4 Credit Lessons to Teach Your Teen

4 Credit Lessons to Teach Your Teen

As parents, we want to build up our kids so they can live their best lives. We want to guide and educate them so they can succeed. One of the areas where we can help our kids is credit. As children enter their teen years, they start thinking seriously about the future and preparing for… Read More

5 Credit Basics Everyone Should Know

5 Credit Basics Everyone Should Know

5 Credit Basics Everyone Should Know

Strong credit isn’t complicated. In fact, you can build good credit by employing some simple habits and being aware of how credit works.  Credit basics were the topic of a recent Google Hangout hosted by Bank of America and the Khan Academy. Credit.com CEO Ian Cohen was a panelist in the discussion, and he and… Read More

A Video Guide to Credit Basics

A Video Guide to Credit Basics

A Video Guide to Credit Basics

How to build good credit, when to close a credit card, why to check credit reports — personal finance experts addressed these and other credit basics in a Google Hangout coordinated by Bank of America and the Khan Academy on Monday. The panelists highlighted the importance of regular credit checks, because as Farnoosh Torabi, a… Read More

Help! I Can’t Get Someone Else’s Mistakes Off My Credit Report

Help! I Can’t Get Someone Else’s Mistakes Off My Credit Report

Help! I Can’t Get Someone Else’s Mistakes Off My Credit Report

We recently received this reader question: “I have several negative items on my credit report, including two charge-offs and a collection that I know are not mine and the creditors refuse to remove them. The name that was used isn’t my last name and the address listed is in another state that I have never lived… Read More

Show Me More

Find out where you stand.
Get your FREE personalized credit report card.

Sign Up Now
X

Stay connected to our experts

Please submit your email address to get credit & money tips & advice
from our team of 30+ experts, delivered weekly to your inbox.