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!

New FICO Score Factors in Utilities & How Often You Move

New FICO Score Factors in Utilities & How Often You Move

New FICO Score Factors in Utilities & How Often You Move

FICO, creator of some of the most widely used credit scores in the U.S., will reportedly announce a new scoring formula designed to help high-risk consumers access credit, the Wall Street Journal reported Wednesday. The model will incorporate consumers’ payment history on things like utility, cellphone and cable bills, in addition to how often a… Read More

The Most Important Dates on Your Credit Report

The Most Important Dates on Your Credit Report

The Most Important Dates on Your Credit Report

If you’ve reviewed your credit reports recently you’ve no doubt seen many dates — many, many dates. Some are more important than others. And some are absolutely critical. A Credit.com reader asks: What’s the difference between Date Opened, Date Reported, Date of Last Payment, etc.? There are two reasons why dates on your credit reports… Read More

Do All Credit Checks Hurt My Credit?

Do All Credit Checks Hurt My Credit?

Do All Credit Checks Hurt My Credit?

If you check your credit scores regularly — and experts recommend you do — it can be a little scary to hear that credit inquiries can damage your credit. That’s a little like telling someone who is trying to improve their physical health that stepping up on the scale carries health risks. (And that’s not just because… Read More

Is Your Credit Good Enough to Retire?

Is Your Credit Good Enough to Retire?

Is Your Credit Good Enough to Retire?

You’ve checked your savings, and your best strategy for claiming Social Security benefits, but is your credit where you want it for retirement? You might think in retirement — when many are without an employment income — that credit isn’t necessary anymore. Assuming everything goes exactly according to plan, you might be right. Even if… Read More

5 Signs You’re Abusing Your Credit

5 Signs You’re Abusing Your Credit

5 Signs You’re Abusing Your Credit

Using credit cards to pay for just about anything has become the norm these days. It’s easy to get out your credit card to buy now and pay later, but this convenience has turned into a habit for many Americans. If this sounds like you, you might be a credit abuser. Here are some red… Read More

7 Credit Score Myths That Will Still Surprise You

7 Credit Score Myths That Will Still Surprise You

7 Credit Score Myths That Will Still Surprise You

Surprise! Consumers are still confused about what goes into a credit report and a credit score. Given how opaque these things were for such a long time, it’s entirely predictable that confusion reigns. It’ll be that way for a while. Credit bureau TransUnion recently released a survey with more proof that the mythology built up… Read More

Do Genetics Influence Your Credit Score?

Do Genetics Influence Your Credit Score?

Do Genetics Influence Your Credit Score?

There is the standard list of factors that influence your credit score: payment history, outstanding balances, the types of credit that you use and so on. But what you probably don’t realize is that your genes may also play an important role. Yes, your biological wiring might make you more likely to be more risk-seeking… Read More

5 Ways You’re Accidentally Wrecking Your Credit

5 Ways You’re Accidentally Wrecking Your Credit

5 Ways You’re Accidentally Wrecking Your Credit

It’s one thing to knowingly make decisions that hurt your credit score. We’ve all been there, and sometimes tough decisions must be made. But it’s an entirely different situation to accidentally wreck your credit. In some cases, we make decisions without realizing the impact on our credit. In other cases we may know that certain… Read More

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