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.

I Accidentally Applied for Credit I Didn’t Want. Now What?

I Accidentally Applied for Credit I Didn’t Want. Now What?

I Accidentally Applied for Credit I Didn’t Want. Now What?

Mistakenly applying for credit is pretty difficult to do. First of all, you need to provide a lot of personal information during the application process, which you should never do carelessly. “The required disclosures would make it very hard to accidentally apply for a credit card,” said Nessa Feddis, senior vice president at the American... Read More

How to Master Your Credit Scores Without a Trial By Fire

How to Master Your Credit Scores Without a Trial By Fire

How to Master Your Credit Scores Without a Trial By Fire

I was visiting a house of worship last Sunday – no, I didn’t have to wear a name tag – and while listening to Pastor Ryan (who coincidentally is also a lawyer) talk about the ways in which one can gain wisdom, the life lesson he discussed has applications far beyond the realm of morality... Read More

2 Bureaus Corrected My Credit Report, But the Third Won’t. What Can I Do?

2 Bureaus Corrected My Credit Report, But the Third Won’t. What Can I Do?

2 Bureaus Corrected My Credit Report, But the Third Won’t. What Can I Do?

One of the most common concerns we hear from readers is that their credit report contains errors or information they don’t understand or recognize. There are a number of reasons wrong information could be on your credit report, but the solution is often to dispute the information with the credit bureaus to get it removed... Read More

6 Places to Get Free Help With Your Credit Problem

6 Places to Get Free Help With Your Credit Problem

6 Places to Get Free Help With Your Credit Problem

Credit can be confusing, and sometimes overwhelming. But you don’t have to struggle with debt, credit report issues or other financial problems alone. There are reputable sources that can help you get back on track, and many offer low-cost or free credit help. 1. Credit Counselors Financial counseling agencies often do much more than just... Read More

Can Anyone Check Your Credit Without Your Permission?

Can Anyone Check Your Credit Without Your Permission?

Can Anyone Check Your Credit Without Your Permission?

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

How to Build a Great Credit Score From Scratch

How to Build a Great Credit Score From Scratch

How to Build a Great Credit Score From Scratch

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

What to Do If You Can’t Get Your Free Annual Credit Report

What to Do If You Can’t Get Your Free Annual Credit Report

What to Do If You Can’t Get Your Free Annual Credit Report

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

Money 101: How to Get Your Credit Ready for College

Money 101: How to Get Your Credit Ready for College

Money 101: How to Get Your Credit Ready for College

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

Help! I Can’t Get a Loan Because I’m ‘Dead’

Help! I Can’t Get a Loan Because I’m ‘Dead’

Help! I Can’t Get a Loan Because I’m ‘Dead’

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

6 Mistakes You Make When You Check Your Credit

6 Mistakes You Make When You Check Your Credit

6 Mistakes You Make When You Check Your Credit

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

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