Credit Score

Our Credit.com experts provide simple explanations for what influences your credit score; how your credit information gets used and tips on how to improve your credit. Access your credit information with a credit score and credit report from Credit.com. Sign up is quick, easy and always FREE!

How to Get Ready for a Credit Check

How to Get Ready for a Credit Check

How to Get Ready for a Credit Check

You’ll want to be sure your credit is in the best shape possible before you apply for a car loan, home loan or personal loan. But how do you get ready for a credit check? A lender checks your credit before approving you for a loan and your credit rating also determines what kind of interest… Read More

Credit Score Companies Fined $22M by FTC for Illegal Billing

Credit Score Companies Fined $22M by FTC for Illegal Billing

Credit Score Companies Fined $22M by FTC for Illegal Billing

The Federal Trade Commission announced a settlement this week in which three credit score companies will pay consumers $22 million for billing them for credit monitoring products they never ordered. The companies drew customers to their sites by offering free credit scores, but signing up set off a $29.95 recurring monthly fee for credit monitoring, which… Read More

How to Rebuild Your Credit Without Using Credit Cards

How to Rebuild Your Credit Without Using Credit Cards

How to Rebuild Your Credit Without Using Credit Cards

Credit cards can be a polarizing subject. Many Americans love them for their security and convenience, but these very same qualities lead many cardholders into debt. After becoming overextended, cardholders may miss payments and find themselves with ruined credit. So the last thing these people need is to try to rebuild their credit by using more plastic…. Read More

My Credit Score Makes No Sense

My Credit Score Makes No Sense

My Credit Score Makes No Sense

Having trouble understanding your credit score? Here’s how to make sense of that three-digit number lenders use to decide how creditworthy you are. Your credit score is determined by five key factors, all of which come from information in your credit report (you can see your credit reports for free, every year, from all three credit… Read More

The Cities With the Lowest Credit Scores

The Cities With the Lowest Credit Scores

The Cities With the Lowest Credit Scores

The average U.S. consumer credit score increased 2 points from 2013, according to Experian’s Fifth Annual State of Credit study. Americans have an average 666 VantageScore 3.0, up from 664 last year, on a scale of 300 to 850. That’s generally considered fair credit. With this increase in score came an increase in consumer debt,… Read More

Bad Credit Linked to Higher Heart Attack Risk

Bad Credit Linked to Higher Heart Attack Risk

Bad Credit Linked to Higher Heart Attack Risk

A low credit score can’t give you a heart attack, but it might mean you’ll have one soon, a new study has found. There’s now another reason to keep track of your credit, and it actually can be a matter of life or death. Researchers at Duke University have found a link between low credit… Read More

The Holiday Shopping Danger You Won’t See Coming

The Holiday Shopping Danger You Won’t See Coming

The Holiday Shopping Danger You Won’t See Coming

Around this time last year, cybercrime went mainstream with Target’s announcement that the credit and debit card accounts of 40 million shoppers were nabbed during the height of the holiday shopping season. Worse, the personally identifiable information of 70 million Target customers was in the wind. Before you get too worked up, here’s something to… Read More

The Surprising Way an Identity Thief Can Hurt Your Credit

The Surprising Way an Identity Thief Can Hurt Your Credit

The Surprising Way an Identity Thief Can Hurt Your Credit

A reader, Audrey, had her wallet stolen and put fraud alerts on her credit reports. Now she’s been notified of an attempt to open a store credit card, and Audrey’s worried that the “hard inquiry” could damage her credit. I had my wallet stolen late last week, so I set fraud alerts with all the… Read More

Many Americans Worry About Not Having a Credit Score

Many Americans Worry About Not Having a Credit Score

Many Americans Worry About Not Having a Credit Score

Between 30 million and 35 million U.S. consumers don’t have credit scores, meaning they may not be able to get credit cards or loans they need to reach their goals, but the sheer number of unscored consumers is only part of the problem: A large number of them are creditworthy, and nearly 30% of the… Read More

Help! My Credit Score Disappeared

Help! My Credit Score Disappeared

Help! My Credit Score Disappeared

Have you lived overseas for a few years? Gotten married and gotten by on your spouse’s credit accounts? Have you cut up your credit cards and just paid with cash or your debit card for a good number of years? If this is you, your credit record may have gone “poof!” and your credit score… Read More

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