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!

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

10 Things Everyone Should Know About Credit Scores

10 Things Everyone Should Know About Credit Scores

10 Things Everyone Should Know About Credit Scores

The last time I got up in front of a group to talk about my job, no one had questions for me. It was a high school career day a few weeks ago, and the students stared at me blankly as I dropped words like “personal finance,” “credit scores” and “debt.” I could tell they… Read More

12 Ways for College Grads to Build Credit

12 Ways for College Grads to Build Credit

12 Ways for College Grads to Build Credit

Congratulations, college Class of ’15. New government unemployment numbers make your decision to get a college degree look smart: Unemployment was 5.5% in February, a low number that looks especially good compared with unemployment rates above 9% in the recession. For college graduates, joblessness was even lower: 2.7%. Here’s the next smart move to make: Have a… Read More

How Your Budget Can Help You Build Credit

How Your Budget Can Help You Build Credit

How Your Budget Can Help You Build Credit

The building blocks of a healthy financial life are all tied to your budget — how much money is coming in, going out and where is it being used? Answering those questions and creating a budget that works for you can have a ripple effect on the rest of your finances. Specifically, a good budget… Read More

When Can Employers Check Your Credit?

When Can Employers Check Your Credit?

When Can Employers Check Your Credit?

Your credit history can have a significant impact on things that have nothing to do with loans and credit cards. Companies often request to see your credit history when you set up utilities for your home, apply for an apartment, request an insurance quote or apply for a job. That last one makes a lot… Read More

Millennials Are Confident About Their Credit. Should They Be?

Millennials Are Confident About Their Credit. Should They Be?

Millennials Are Confident About Their Credit. Should They Be?

Millennials are more comfortable sharing their credit score with others than Americans in older generations, according to the Chase Slate Credit Survey, but such confidence might be misleading — millennials are also the least likely to have looked at their credit scores, and they have lower standards for what they consider a “good” credit score. The… Read More

What Keeps Some Consumers Stuck in Bad Credit

What Keeps Some Consumers Stuck in Bad Credit

What Keeps Some Consumers Stuck in Bad Credit

Credit cards and other loans can serve as a lifeline, when making ends meet may seem out of reach during times of financial hardship. Unfortunately, relying too much on these types of loans can actually damage already poor credit, and recent data indicates that this kind of problem could be getting worse. New data from… Read More

How a ‘Fair’ Credit Score Can Cost You $130K

How a ‘Fair’ Credit Score Can Cost You $130K

How a ‘Fair’ Credit Score Can Cost You $130K

If anything is certain about credit scores it’s that they change. How much they change can depend heavily on your decisions, and if you want to save money, there are steps you can take to attain and maintain a high credit score. How you manage your debt determines whether you have great credit, bad credit… Read More

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