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!

Does Starbucks Have a Good Credit Score?

Does Starbucks Have a Good Credit Score?

Does Starbucks Have a Good Credit Score?

Coffee lovers tend to pledge strong loyalties to their favorite coffee shop, often stronger than loyalties to a professional sports. Sound familiar? Well, if this is you, could your allegiance to your favorite coffee shop be swayed by knowing how it treats its suppliers and contractors? What if you knew their business credit scores, which... Read More

Shhhh! The Credit Card Secret That Could Boost Your Credit

Shhhh! The Credit Card Secret That Could Boost Your Credit

Shhhh! The Credit Card Secret That Could Boost Your Credit

Even if you have a good credit score, you may still want to find a way to inch that magical number higher, especially if you are in the market for an auto loan or a mortgage in the near future. Even at a 700, an extra twenty points or so could easily bump you into a lender’s... Read More

10 Things That Don’t Affect Your Credit Scores

10 Things That Don’t Affect Your Credit Scores

10 Things That Don’t Affect Your Credit Scores

You may know that things like bankruptcies and maxing out your credit cards can have an effect on your credit scores. And you also probably know your credit benefits when you pay your credit card statements on time and limit the number of inquiries made on your credit. You may have even heard that those student... Read More

Do You Need a Checking Account to Have Good Credit?

Do You Need a Checking Account to Have Good Credit?

Do You Need a Checking Account to Have Good Credit?

Since our credit scores are tied so heavily to our finances, you might be wondering if it’s essential to use a checking account at a bank or credit union to have a good credit score. This is a good question, especially if you handle most of your financial obligations using prepaid debit cards and money... Read More

Can Gambling Affect Your Credit Scores?

Can Gambling Affect Your Credit Scores?

Can Gambling Affect Your Credit Scores?

If Las Vegas or Atlantic City are your ideal travel destinations because you love to gamble, luck is on your side: Gambling does not automatically hurt your credit scores. But before you sit down at the blackjack table or roulette wheel and lose a few hundred bucks, you need to know that even though this... Read More

5 Credit Score Myths You Can’t Afford to Believe

5 Credit Score Myths You Can’t Afford to Believe

5 Credit Score Myths You Can’t Afford to Believe

It’s no surprise there are misconceptions surrounding credit reports and credit scores. It can be easy to have these misunderstandings, whether because of social media, friends and family, or simply your own interpretations. But believing myths about credit could ultimately damage your credit scores, resulting in lost opportunities and possibly even higher interest rates. But you... Read More

Trump’s Business Credit Score Is 19 Out of a Possible 100

Trump’s Business Credit Score Is 19 Out of a Possible 100

Trump’s Business Credit Score Is 19 Out of a Possible 100

Debate season has brought about quite a bit of talk about how Donald Trump runs his businesses and how the Clinton Foundation gets its donor dollars. Nav, a business score education organization, decided to run business credit scores for both The Trump Organization and the Clinton Foundation (you can view the full Nav report details... Read More

4 Unexpected Items That Can End Up on Your Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

You may already know the common items that appear on your credit reports, like personal identifying details as well as the debts you hold, payments you’ve made and hard inquiries generated whenever you fill out an application for credit with a lender. But knowing all that, you could still find surprises on your credit report. Even if... Read More

What Happens to Your Credit Score When You Die?

What Happens to Your Credit Score When You Die?

What Happens to Your Credit Score When You Die?

Whether you’re working on your last will and testament and it’s got you thinking about what your family will need to do after you pass away or you’re currently handling the estate of a loved one, you may be wondering what happens to your credit when you die. “Experian doesn’t close or delete a credit... Read More

Show Me More

Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team