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!

Why Has the Average Credit Score Gone Up?

Why Has the Average Credit Score Gone Up?

Why Has the Average Credit Score Gone Up?

The average U.S. credit score has gone up recently, but not by much. Of course, the way those figures change year over year depend on the model you’re looking at, considering there are so many different credit scores out there. Based on numbers FICO provided, the average hit a low of 686 in October 2009,… Read More

4 Credit Lessons Your Parents Didn’t Teach You

4 Credit Lessons Your Parents Didn’t Teach You

4 Credit Lessons Your Parents Didn’t Teach You

Love it or hate it, most of our money habits are learned from our parents. While some people are fortunate enough to learn money-saving lessons that steer them towards the path of financial stability, others aren’t so lucky. Regardless of your parent’s style of teaching, you’ve developed at least one money habit witnessing their relationship… Read More

Why Isn’t My Credit Score Going Up?

Why Isn’t My Credit Score Going Up?

Why Isn’t My Credit Score Going Up?

Sometimes getting ahead feels more like a herd of turtles than a rabbit. That’s especially true when it comes to credit scores. Check out this reader question, and see if you can relate. Hi! I have a question for you. I’ve been working on improving my credit score for about three years now, but I cannot… Read More

Half of Consumers With Credit Report Errors Drop Their Complaints

Half of Consumers With Credit Report Errors Drop Their Complaints

Half of Consumers With Credit Report Errors Drop Their Complaints

Fighting with a credit reporting agency over inaccuracies isn’t easy, and plenty of consumers simply give up, a new Federal Trade Commission study suggests. Nearly half of consumers engaged in an unresolved dispute with a credit reporting agency wave the white flag, according to a study published this week by the Federal Trade Commission. Of… Read More

The Most Misunderstood Credit Score Factor

The Most Misunderstood Credit Score Factor

The Most Misunderstood Credit Score Factor

Despite your best intentions, there may be times when you just have to carry a balance on your credit cards. When you do, how do you protect your credit score? Reader Eddie Vidmar writes: At some point within the next few months, I am going to have a rather steep expense of putting in some… Read More

Could Your Spouse’s Tax Problems Affect You?

Could Your Spouse’s Tax Problems Affect You?

Could Your Spouse’s Tax Problems Affect You?

Dealing with tax problems is stressful enough. But it can be downright maddening to discover that your credit has been damaged over a tax bill you had nothing to do with. A Credit.com blog reader asked: My wife’s credit report shows a tax lien from my taxes from before we were married. Is that legal?… Read More

5 More Banks Are Offering Free Credit Scores for Customers

5 More Banks Are Offering Free Credit Scores for Customers

5 More Banks Are Offering Free Credit Scores for Customers

More than half of U.S. adults will have free access to their credit scores this year, President Obama announced Monday in a speech devoted to identity theft and privacy. That’s big news for consumers, who have been frustrated for years by the secretive nature of the scores, which often affects their ability to borrow money… Read More

10 Common Credit Score Myths People Tell Me

10 Common Credit Score Myths People Tell Me

10 Common Credit Score Myths People Tell Me

Let’s face it, credit scores can be a mystery, and there’s a lot of misinformation out there. While it is important to have good credit, you can’t believe everything you hear – because the wrong step, even with good intentions, could send your credit in the wrong direction. Here are just a handful of the… Read More

The Simple Chart That Can Explain Why Your Credit Score Dropped

The Simple Chart That Can Explain Why Your Credit Score Dropped

The Simple Chart That Can Explain Why Your Credit Score Dropped

Being late on one bill can’t hurt your credit score that much, right? Wrong! Not only can a single, small late payment slice 100 points off your credit score, it can take three years to recover from the damage. The roughly 60% of Americans who have excellent, 700-or-above credit scores, and who might think they… Read More

Add a Credit Check to Your New Year To-Do List

Add a Credit Check to Your New Year To-Do List

Add a Credit Check to Your New Year To-Do List

If you’re like me and you spend the beginning of the year setting up all those appointments and updating lists of tasks that have to be done on an annual basis (like checkups, turning the mattress and replacing the batteries in smoke detectors), I have another item to add to your list: a credit checkup…. Read More

Show Me More

Find out where you stand.
Get your FREE personalized credit report card.

Sign Up Now
X

Stay Connected to Our Experts

Please submit your email address to get credit & money tips & advice
from our team of 30+ experts, delivered weekly to your inbox.