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!

4 Times Your Credit Score Could Be Wrong

4 Times Your Credit Score Could Be Wrong

4 Times Your Credit Score Could Be Wrong

Having a bad credit score can be really frustrating, particularly if it’s lower than you expect it to be. There are lots of reasons why your credit score is what it is, but you should know a low score might not be your fault. The credit world is an imperfect one, so it’s important to... Read More

How Do I Get My Bank to Fix a Credit Card Error?

How Do I Get My Bank to Fix a Credit Card Error?

How Do I Get My Bank to Fix a Credit Card Error?

You may have heard by now that, should you discover an error or, worse, a fraudulent account on your credit report, you need to immediately contact the major credit reporting agency and creditor in question to have it removed or reversed. Notifying the bureau can be often be fairly straightforward, given their contact information is often... Read More

Why Are There Errors on My Credit Report?

Why Are There Errors on My Credit Report?

Why Are There Errors on My Credit Report?

Like baseball, apple pie and binge-watching TV shows on Netflix, finding errors on your credit report has become a national pastime — it’s just a pastime that no one really enjoys. According to a report from the Federal Trade Commission, one in five Americans have errors hiding on their credit reports. Seems like a large... Read More

4 Things Your Credit Score Doesn’t Say About You

4 Things Your Credit Score Doesn’t Say About You

4 Things Your Credit Score Doesn’t Say About You

Your credit scores (because, yes, there are many) are used in a variety of ways. Lenders, landlords, cellphone providers and insurance companies are just a few entities that look at versions to determine whether to do business with you. Given how scores permeate so many areas of your life, it’s easy to get confused about... Read More

5 Things Keeping You From a Perfect Credit Score

5 Things Keeping You From a Perfect Credit Score

5 Things Keeping You From a Perfect Credit Score

A perfect credit score isn’t the most practical goal: There are hundreds of scoring models, and even the same score can vary significantly month to month, because your credit history is constantly being updated. Of course, perfectionists don’t care about practicality. If you’re one of them, striving for that “perfect” 850 credit score (the highest on... Read More

Why Your Credit Score Is Even More Important in 2016

Why Your Credit Score Is Even More Important in 2016

Why Your Credit Score Is Even More Important in 2016

You may already know that your credit scores are very important — primarily because lenders will use a credit score to determine whether or not they’ll lend you money via an auto loan, credit card or mortgage, and how much interest they’ll charge on what you borrow. What you may not realize is that this year, those three-digit numbers... Read More

Help! My Credit Score Has Hit a Plateau

Help! My Credit Score Has Hit a Plateau

Help! My Credit Score Has Hit a Plateau

Keeping your credit in tip-top shape is a noble and worthy goal considering the important role it plays in major lending and business decisions. But what if, despite your best efforts, your score has reached a plateau? One reader of Credit.com reporter Christine DiGangi’s personal blog writes on this problem: “One of my goals is to reach a FICO... Read More

3 Credit-Building Tricks That Can Backfire

3 Credit-Building Tricks That Can Backfire

3 Credit-Building Tricks That Can Backfire

A good credit score can help with all sorts of things: buying a home, getting a new credit card or socking away savings. But while we all want to boost our scores as quickly as possible, credit building doesn’t happen overnight. It’s better to stick to core behaviors that merit good credit, like making payments on time, keeping debt balances low relative to credit limits,... Read More

4 Quick Ways to Improve Your Credit Score

4 Quick Ways to Improve Your Credit Score

4 Quick Ways to Improve Your Credit Score

Between store credit card inquiries, high balances and perhaps a missed payment or two, the holiday season can be tough on your credit. Fortunately, there are some quick ways to improve your credit score and recoup some of the points any faux pas may have caused. If your score is depressed going into the New Year,... Read More

Santa’s Credit Score Is Probably Better Than Yours

Santa’s Credit Score Is Probably Better Than Yours

Santa’s Credit Score Is Probably Better Than Yours

Credit scoring company FICO had a little holiday fun and made a credit profile for jolly old Saint Nick. Based on the credit info FICO plugged into one of its algorithms, Santa has a 757 FICO score, well above the U.S. average of 695, per a news release. And he has what’s considered an excellent FICO score, with a range of 300 to 850. If you’re looking... Read More

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