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!

Credit Scores Are on the Rise — Are You Keeping Up?

Credit Scores Are on the Rise — Are You Keeping Up?

Credit Scores Are on the Rise — Are You Keeping Up?

The average FICO score went up 4 points from 2013 to 2014, and at 694, that average is the highest on record, according to the credit scoring giant. A drop in credit card debt seems to be one of the biggest drivers behind better FICO scores. “We saw a tremendous amount of deleveraging during and after… Read More

Why Are My Credit Scores So Different?

Why Are My Credit Scores So Different?

Why Are My Credit Scores So Different?

Q. I checked my credit reports. I have scores of 683, 720 and 735. Is that considered good credit, and why are the scores different? A. We’re glad you’re keeping tabs on your credit. One big reason your scores are different is because they have been calculated using information from three different credit reporting agencies,… Read More

7 Kinds of Insurance You May Have Overlooked

7 Kinds of Insurance You May Have Overlooked

7 Kinds of Insurance You May Have Overlooked

There are certain kinds of insurance we know we are supposed to buy (or at least consider) — like auto or health insurance. But when it comes to other insurance types like life insurance, there are a wide variety of options. You may not think insurance is exciting or interesting, but it’s important to research and… Read More

1 in 10 Americans Don’t Have a Credit Score or Credit Report

1 in 10 Americans Don’t Have a Credit Score or Credit Report

1 in 10 Americans Don’t Have a Credit Score or Credit Report

One in 10 U.S. adults is invisible to much of the American economy because they have no credit report or score, a new report by the Consumer Financial Protection Bureau has found. Those 26 million adults — disproportionately Black or Hispanic — have virtually no chance to borrow money or use credit cards. And another… Read More

13 States Where People Have the Best Credit

13 States Where People Have the Best Credit

13 States Where People Have the Best Credit

Good credit is synonymous with opportunity: It allows you greater access to things like apartments, auto loans and mortgages, not to mention more affordable interest rates on credit products. Unfortunately, the majority of U.S. consumers have what’s called a subprime credit score, meaning their credit history makes it difficult or impossible to get some services… Read More

You Are More Than Your Credit Score

You Are More Than Your Credit Score

You Are More Than Your Credit Score

If you are planning to borrow money any time soon, it is likely you will be judged by a three-digit number known as your credit score. Fair, Isaac and Company – FICO — was the analytics company that pioneered the concept of credit scoring now used by lenders around the world. Since then, other companies… Read More

How Often Should I Check My Credit?

How Often Should I Check My Credit?

How Often Should I Check My Credit?

If you’ve ever taken care of a sick child, you’ve probably checked their temperature much more often than you would ordinarily — and you may be using an actual thermometer instead of gently touching a forehead or neck to get a rough idea of whether there’s a fever. But what do you do when the… Read More

How Long Does It Take to Get My Free Credit Report?

How Long Does It Take to Get My Free Credit Report?

How Long Does It Take to Get My Free Credit Report?

Q. How long should someone wait for a credit report? I mailed AnnualCreditReport.com requests for a single credit agency report for my daughter and myself, but neither of us have received a response. I do not want to send an additional request and be billed for multiple reports. A. We’re glad to see you are… Read More

How Many FICO Scores Are There?

How Many FICO Scores Are There?

How Many FICO Scores Are There?

There are hundreds of algorithms companies use to score consumers, and even the most common credit scoring company has dozens of models. Fair Isaac Corp., more commonly known as FICO, has about 50 scores (a 2012 report from the Consumer Financial Protection Bureau puts that number at 49). How can there be so many variations on… Read More

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