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.
Are you concerned that your stalker ex-boyfriend or nosy neighbor can easily check your credit? You don’t have to be… or at least it isn’t quite that easy. According to the federal Fair Credit Reporting Act, only those with a legitimate need can request – and obtain– a copy of your credit report. However, not all... Read More
At some point, everyone has no credit history. We all have to start somewhere, and with good planning and smart decisions, you can get a great credit score. It’s not an exact science — nothing with credit is — but building a great credit score isn’t complicated. Here are the basics. 1. Start Your Credit... Read More
Let’s talk about free credit reports. First of all, the big question: Are they really free? Yep. Federal law requires the three major credit reporting agencies — Equifax, Experian and TransUnion — to give consumers a free copy of their credit reports every year (here’s how to get yours). You can get credit reports from many places,... Read More
For many students, the beginning of your college career is also the beginning of your transition to adulthood. You will likely have more freedom — and responsibility — than you have ever had before. One of the most important aspects to being an adult is planning ahead and living with intention, especially when it comes... Read More
There are countless ways your credit report can get messed up, all of which can seem pretty annoying to fix. Perhaps one of the most unsettling problems you might find with your credit report is if it says you’re dead, when you’re most certainly alive. It’s not unheard of for consumers to apply for credit and... Read More
You may know that if you apply for a credit card, loan, a place to live or perhaps a job, there will be a credit check. But do you know what someone reviewing your credit will find? You can have at least an idea of the answer if you check your own credit first. Doing so... Read More
It’s irritating to run across a bill and to realize it was due yesterday… or last week. If it’s a credit card bill, you may also have to pay a fee (sometimes, if it’s a rare slip-up, you can get it waived), and it can be especially scary to find an overdue bill if you have... Read More
Last week I talked to a bunch of 20- and 30-somethings — members of the so-called millennial generation — about credit, and the conversation reminded me about how differently people deal with money. In many aspects of personal finance, things aren’t black or white, and what works for one person would be disastrous sfor another.... Read More
Attorneys general in 30 states have reached a $6 million settlement with the major credit reporting agencies Equifax, Experian and TransUnion to make changes in the way they address errors in consumer reports and how some negative information is added to credit reports. The agreement is very similar to one announced March 9 by the... Read More
Sometimes, the best way to fix a problem is to start over. It’s probably the most common troubleshooting technique out there, especially when you’re dealing with technology — the power button is a wonderful thing. Unfortunately, there is no restart option when it comes to your credit history. Declaring bankruptcy is the closest thing there... Read More
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