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.

Where Did Credit Reports Come From?

Where Did Credit Reports Come From?

Where Did Credit Reports Come From?

We may be in an age of Big Data, but collecting information on consumers is nothing new. Credit reporting goes back to the late 1800s, when it was just a couple of guys going from door to door, asking merchants to describe the customers who had credit at their stores. The technical, sometimes-long files we… Read More

5 Quick-Fix Credit Tips That Don’t Work

5 Quick-Fix Credit Tips That Don’t Work

5 Quick-Fix Credit Tips That Don’t Work

There’s nothing wrong with looking for an easy solution to your problems — except for when your quick fix is a waste of time. You can find a lot of tips for improving your credit by searching the Internet, but they’re not all accurate, and some can actually hurt your credit score. Here are a… Read More

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

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