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.

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

What’s the Most Damaging Thing on Your Credit Report?

What’s the Most Damaging Thing on Your Credit Report?

What’s the Most Damaging Thing on Your Credit Report?

There is no ultimate credit killer. There are all sorts of things you probably never want to see on your credit report, but as far as what may be dragging your credit score down — well, it’s different for everyone. The Really Bad Stuff If you’re wondering why you have a low credit score, all the… Read More

How to Get Your Specialty Data Reports

How to Get Your Specialty Data Reports

How to Get Your Specialty Data Reports

We often talk about the Big Three credit reporting agencies — Equifax, Experian and Transunion. However, there are other specialty data reports about you that are created by data brokers. Data broker reports are not subject to Fair Credit Reporting Act requirements, which means you aren’t entitled to a free peek at their data every… Read More

The Most Important Thing on Your Credit Report

The Most Important Thing on Your Credit Report

The Most Important Thing on Your Credit Report

Focusing on just one part of your credit report won’t really help you improve your credit, because there are so many different things that determine your credit standing. You may not want to pore over your lengthy credit report, but failing to do so could mean you overlook something significant. (If you want a guide… Read More

The 10 Credit Commandments

The 10 Credit Commandments

The 10 Credit Commandments

Whether you are thinking of buying a home or getting a new car in the future, you need to pay attention to your credit. You can take certain actions now to be prepared when it’s time to make those big life decisions. Here are 10 credit commandments that will help you on your road to… Read More

What Can I Get Removed From My Credit Reports?

What Can I Get Removed From My Credit Reports?

What Can I Get Removed From My Credit Reports?

In the Disney classic “The Lion King,” the ever-wise meerkat Timon tells the troubled Simba: “You got to put your past behind you.” Timon has obviously never had to deal with credit reports. If you have negative information in your credit history, you probably want to move on from it a lot faster than the… Read More

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