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!

3 Small Business Loans That Don’t Require Good Credit

3 Small Business Loans That Don’t Require Good Credit

3 Small Business Loans That Don’t Require Good Credit

Starting and growing a business can be a risky proposition. Many owners go all in, using personal loans or credit cards to fund their start-ups. But what if you have bad credit? Can you still get funds to launch or expand your venture? The answer is “yes.” And, in fact, it’s easier than ever to… Read More

Who’s Not Allowed to See Your Credit Score?

Who’s Not Allowed to See Your Credit Score?

Who’s Not Allowed to See Your Credit Score?

One of the most common complaints about credit scores isn’t even true — that your employer or potential employer can see your credit score. “That’s probably the most common myth that that I hear about credit reports and scores,” said Rod Griffin, director of public education for credit bureau Experian. Generally, anyone who can legally… Read More

Credit Card Convenience Checks: A Cautionary Tale

Credit Card Convenience Checks: A Cautionary Tale

Credit Card Convenience Checks: A Cautionary Tale

A credit card convenience check allows you to tap your credit card’s line of credit, and can seem like a godsend if money is tight and you need a short-term loan, or you need to consolidate debt. But there can be pitfalls that catch even the most careful cardholders unaware. Our reader, whom we’ll call… Read More

What Will Leave a Black Mark on My Credit Report?

What Will Leave a Black Mark on My Credit Report?

What Will Leave a Black Mark on My Credit Report?

When you’re looking to apply for a loan, lenders place a major emphasis on your credit report. Your credit history includes your amount of debt and payment history, as well as other factors, and lenders look to your past credit behavior to see whether you’ll be a good credit risk going forward. There are some… Read More

5 Common Credit Score Killers

5 Common Credit Score Killers

5 Common Credit Score Killers

Having a good credit score can help you save a lot of money over your lifetime, but many people find themselves with scores lower than they’d like because they don’t know how much everyday things can hurt their scores. Of course, once you know what those things are, you’re better equipped to improve your credit. Here… Read More

The Impact of Medical Debt on FICO Scores

The Impact of Medical Debt on FICO Scores

The Impact of Medical Debt on FICO Scores

Getting sick has led to millions of Americans paying more for car loans, mortgages and credit card debt – thanks to a medical debt domino effect. But slowly, that’s changing. Several factors are coming together to fundamentally change the way unpaid medical bills impact Americans’ financial lives. The biggest one might also be the most… Read More

Can a Credit Card Improve Your Credit?

Can a Credit Card Improve Your Credit?

Can a Credit Card Improve Your Credit?

Many consumers see credit cards as a gateway to debt. While they certainly give you the opportunity to spend money you don’t have, when used responsibly, their powers can be harnessed for good, not evil. When you closely track your spending and pay your bills on time, your credit card can be a huge financial… Read More

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