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 Use Your Wanderlust to Build Credit

How to Use Your Wanderlust to Build Credit

How to Use Your Wanderlust to Build Credit

Love to travel? Good news: There are ways to put that wanderlust to use with a travel rewards credit card. Though travel rewards cards aren’t the easiest to get approved for as they require an excellent or good credit score, those who are able to snag one can use it to build better credit. (Just remember, before you apply it’s... Read More

Is There a Difference Between a Co-Signer & a Co-Applicant?

Is There a Difference Between a Co-Signer & a Co-Applicant?

Is There a Difference Between a Co-Signer & a Co-Applicant?

The terms “co-signer” and “co-applicant” may sound like they’re the same, but there are actually some key differences between the two that are important to understand if you’re thinking about financing a loan alongside friends or family members. What’s the Difference? A co-applicant, also sometimes referred to as a co-borrower “is a full-fledged partner in... Read More

How to Use Your Shopping Addiction to Build Credit

How to Use Your Shopping Addiction to Build Credit

How to Use Your Shopping Addiction to Build Credit

If you love to shop, you can use your fashion sense to build or even rebuild your credit. Store-branded credit cards are some of the easiest cards to qualify for and are often extended to those who have bad credit because they have lower criteria than traditional credit cards. Using them, especially if you’re loyal to a particular store, can bring... Read More

How Do Closed Accounts Affect My Credit?

How Do Closed Accounts Affect My Credit?

How Do Closed Accounts Affect My Credit?

So you’ve finally decided to take charge of your credit and close those credit cards gathering dust in your desk drawer. But wait — will closing those accounts mess with your score? As it turns out, they will. Closing a credit card account can take a chunk out of your score, shortening your credit history and reducing your... Read More

How to Build Credit Without Student Loans

How to Build Credit Without Student Loans

How to Build Credit Without Student Loans

College graduates saddled with student loans may find this hard to believe, but there is one upside to having to pay back all that debt: It helps you build credit. That may seem like a small consolation — particularly if the balances you owe are even average — but credit can be hard to come by. Of course,... Read More

3 Ways You Don’t Control Your Credit Score

3 Ways You Don’t Control Your Credit Score

3 Ways You Don’t Control Your Credit Score

There are plenty of things you can do proactively to keep your credit in good standing. You can check your credit reports every year. You can track your credit scores for free on Credit.com. You can make on-time payments and be sure not to apply too frequently for new credit. But there are some things that... Read More

What Can You Dispute on a Credit Report?

What Can You Dispute on a Credit Report?

What Can You Dispute on a Credit Report?

One in five Americans have an error on their credit report, according to a Federal Trade Commission study from 2012, so it’s not unlikely you’ll discover one yourself at some point. These errors can range in severity, from misspelled names to fraudulent accounts that can damage your credit score. No matter what the problems are, don’t fret... Read More

Are Some Credit Report Errors Easier to Fix?

Are Some Credit Report Errors Easier to Fix?

Are Some Credit Report Errors Easier to Fix?

If you’re staring at an error on your credit report, you’ll be happy to know that you can file a dispute with the credit bureaus to have it removed. But be aware: Some errors are easier to resolve than others. How Credit Report Disputes Work The Fair Credit Reporting Act entitles all consumers to dispute... Read More

I’m Divorced, So Why Is My Spouse Still on My Credit Report?

I’m Divorced, So Why Is My Spouse Still on My Credit Report?

I’m Divorced, So Why Is My Spouse Still on My Credit Report?

In the midst of your divorce, you’ve probably discussed separating your assets, but you might be less inclined to talk about who’s going to take responsibility for shared debts. Most courts will divide up responsibilities for these during a divorce decree, giving one individual the ownership of each debt. However, “the decree does not change the... Read More

Does Everything on My Credit Report Affect My Credit Scores?

Does Everything on My Credit Report Affect My Credit Scores?

Does Everything on My Credit Report Affect My Credit Scores?

Credit reports, as you’ve no doubt heard, are tremendously important. After all, the information on them dictates your credit scores, which, in turn, dictate whether you’re able to readily score things like a mortgage, auto loan, credit card and even affordable insurance or cellphone plans. But not every piece of information on that crucial report... Read More

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