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!

Checking Your Credit Regularly Helps You Improve Your Scores, Survey Says

Checking Your Credit Regularly Helps You Improve Your Scores, Survey Says

Checking Your Credit Regularly Helps You Improve Your Scores, Survey Says

For some people, checking their credit is like stepping on the bathroom scale: a necessary evil, albeit one that pushes them to take charge of their health. Perhaps that’s the same thinking that drives consumers to regularly check their credit. In fact, according to a new study commissioned by Discover, a high percentage of those who regularly... Read More

3 Ways You Can Have Bad Credit Without Realizing It

3 Ways You Can Have Bad Credit Without Realizing It

3 Ways You Can Have Bad Credit Without Realizing It

You pay your bills on time, keep those credit cards in check and only apply for new credit when you really need it. There’s every reason in the world you should have a stellar credit score. And yet … One of the reasons you hear “check your credit” so often is that there are ways things can... Read More

4  Credit Tips to Keep in Mind as You Plan Your Wedding

4 Credit Tips to Keep in Mind as You Plan Your Wedding

4  Credit Tips to Keep in Mind as You Plan Your Wedding

Summertime — the perfect time for a beautiful wedding! You’re pledging mutual love and affection to your partner, surrounded by friends and family. You’re looking forward to a lifetime of adventure and happiness together. And while you’re thinking about your wedding and probably doing last-minute planning and fittings and all that great stuff, I’d like... Read More

4 Ways Your Cellphone Could Wreck Your Credit

4 Ways Your Cellphone Could Wreck Your Credit

4 Ways Your Cellphone Could Wreck Your Credit

Your cellphone: It’s hard to live without! (How did we ever get by with a landline in the “olden days”?) And cellphones are really more than cellphones — they’re mobile devices that have become our cameras, our entertainment devices, our way to connect socially, our shopping malls, our sources of news and information and our... Read More

How Much Does Applying for Credit Really Hurt Your Credit Score?

How Much Does Applying for Credit Really Hurt Your Credit Score?

How Much Does Applying for Credit Really Hurt Your Credit Score?

If you’re considering applying for a new line of credit, you may have heard that doing so may affect your credit scores. But how much of a hit will your scores really take? “It’s typical for the score to drop 5 to 10 points,” after a hard credit inquiry, said Jeff Richardson, a spokesperson for credit scoring company... Read More

I Closed an Account. When Will It Disappear From My Credit Report?

I Closed an Account. When Will It Disappear From My Credit Report?

I Closed an Account. When Will It Disappear From My Credit Report?

It’s a commonly taught tenet of credit: Closing an account could wind up hurting your score. And closing credit cards can be particularly problematic — primarily because doing so can skew your credit utilization rate (how much debt you’re carrying versus your total available credit limits) and possibly affect the age of your credit report. Of... Read More

Is This the Biggest Change to Credit Reports in Years?

Is This the Biggest Change to Credit Reports in Years?

Is This the Biggest Change to Credit Reports in Years?

The major credit reporting agencies have a big change in the works that could bolster a lot of people’s credit scores. As part of its National Consumer Assistance Plan (the result of a settlement brokered with 31 state attorneys general back in 2015), Equifax, Experian and TransUnion are planning to significantly reduce the amount of tax-lien and... Read More

Will Child Support Payments Affect My Credit?

Will Child Support Payments Affect My Credit?

Will Child Support Payments Affect My Credit?

As of a 2015 NPR report, more than $113 billion in child support debt was owed in the U.S. And that debt doesn’t just affect those who are waiting on child support checks. Delinquent child support can get listed as a tradeline, or account on your credit report. It is reported to credit bureaus directly... 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.