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!

Could My Business Loan Wreck My Credit?

Could My Business Loan Wreck My Credit?

Could My Business Loan Wreck My Credit?

A couple I’ll call Jake and Marcia purchased a coffee shop. The business was really Marcia’s dream, not his, but she was persistent and he reluctantly agreed to try to help out. Things went badly from the start and within less than 18 months they were forced to shut it down. But that wasn’t the… Read More

5 Ways Having No Credit Score Can Hurt You

5 Ways Having No Credit Score Can Hurt You

5 Ways Having No Credit Score Can Hurt You

If you don’t plan to borrow money, what difference does your credit score make? Why even sweat it? As counterintuitive as it seems, you could end up spending more money because you don’t have a credit history. (Though like any other tool, credit used irresponsibly can do more harm than good.) But let’s say you’re… Read More

How I Raised My Credit Score 100 Points in 3 Months

How I Raised My Credit Score 100 Points in 3 Months

How I Raised My Credit Score 100 Points in 3 Months

After years of zero debt and paying off her credit cards every month, Kristen valued her high credit score. But that was before the tsunami of divorce and single parenthood made it all but impossible to maintain. Kristen had been out of the paid workforce when she was an at-home military parent living in Germany. Once in… Read More

How to Keep Your Baby From Ruining Your Credit

How to Keep Your Baby From Ruining Your Credit

How to Keep Your Baby From Ruining Your Credit

They look so innocent (and they are) when they’re sleeping. But if you’re a new parent, you’d probably see that you look exhausted (if you actually had the time and energy to check a mirror). You’re totally absorbed in trying to take care of this tiny person, and you’re far too tired to do your best… Read More

Are We One Step Closer to Your Facebook Friends Impacting Your Credit?

Are We One Step Closer to Your Facebook Friends Impacting Your Credit?

Are We One Step Closer to Your Facebook Friends Impacting Your Credit?

The U.S. patent office granted Facebook an updated patent on technology that would allow lenders to evaluate loan applicants based on their social network connections, reports VentureBeat. The technology tracks how closely (or not) people are connected. The technology is employed to minimize spam (people sending messages to those with whom they have no relationship)… Read More

7 Ways to Build Credit Without a Credit Card

7 Ways to Build Credit Without a Credit Card

7 Ways to Build Credit Without a Credit Card

Let’s say you know you want good credit, but you also know you do NOT want the most ubiquitous credit product around. No way do you want a credit card. Perhaps you follow a certain personal finance guru’s advice to avoid them. Or maybe you’ve gotten in trouble with them before and don’t want to… Read More

The Right Way to Get Out of Your Apartment Lease

The Right Way to Get Out of Your Apartment Lease

The Right Way to Get Out of Your Apartment Lease

What happens if you need to break a lease on a home or apartment? Is your credit doomed to destruction? Maybe, or maybe not. It depends in part on how you handle it. There are numerous reasons why individuals want to get out of a lease before it’s up. Here are three recent stories from… Read More

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