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!

Wells Fargo Is Now Offering a Free Credit Score

Wells Fargo Is Now Offering a Free Credit Score

Wells Fargo Is Now Offering a Free Credit Score

Wells Fargo customers will have free access to one of their credit scores and credit reports until Nov. 16, in conjunction with the American Bankers Association’s annual campaign “Get Smart About Credit.” It’s the third year of this promotion, according to a news release from Wells Fargo, and it requires customers to visit a local… Read More

How to Avoid the Credit Mistakes 20-Somethings Make

How to Avoid the Credit Mistakes 20-Somethings Make

How to Avoid the Credit Mistakes 20-Somethings Make

The world of credit and finances can be daunting when you’re in your 20s and just setting out on your own. Many of us tend to avoid those areas of our lives that are a bit scary, but keep in mind that your credit and finances are two of the most dangerous areas to ignore…. Read More

Why Does Negative Info Stay on Credit Reports for 7 Years?

Why Does Negative Info Stay on Credit Reports for 7 Years?

Why Does Negative Info Stay on Credit Reports for 7 Years?

Under the Fair Credit Reporting Act, most negative information can be reported on credit reports for seven years. Why seven? Why not five, or 10 or some other amount of time? I began to ponder that question after Congresswoman Maxine Waters proposed that negative information be deleted from credit reports after four years. She pointed out… Read More

Can Rearranging My Debt Boost My Credit Score?

Can Rearranging My Debt Boost My Credit Score?

Can Rearranging My Debt Boost My Credit Score?

A reader, Eric, wanted to know if it would be smart to move some of his debt from credit cards with high balances to other cards that offer 0% financing for balance transfers. His goal is to qualify for low interest rates when he buys a car, and he wants to maximize his score. Here’s… Read More

Are Credit Scores Just a Scam?

Are Credit Scores Just a Scam?

Are Credit Scores Just a Scam?

It sounds like something straight out of the conspiracy theorist’s playbook: a secret system that enslaves average citizens who don’t even know what’s really happening. There are some consumers who believe that’s exactly what credit scores are designed to do: keep consumers enslaved in debt. It’s easy to understand why some people feel this way. Our… Read More

Can You Buy a Good Credit Score?

Can You Buy a Good Credit Score?

Can You Buy a Good Credit Score?

There are some problems money can solve. Plastic surgery may erase some of the damage done by years of bad habits, for example. Hiring a personal trainer to help whip you into shape can be easier than trying to do it yourself. And if you are sick of the problems your car has been giving… Read More

Does Your Credit Score Care Where You Shop?

Does Your Credit Score Care Where You Shop?

Does Your Credit Score Care Where You Shop?

With all the information our actions generate — from websites we visit, places we travel to and things we buy — it’s no wonder why people worry about Big Data affecting their finances. So you may wonder: Does what you buy affect your credit score? Credit reports and credit scores, two major components of your… Read More

Can You Raise Your Credit Score 100 Points in a Month?

Can You Raise Your Credit Score 100 Points in a Month?

Can You Raise Your Credit Score 100 Points in a Month?

Improving your credit score often requires a lot of patience, because a good credit score is built on years of responsible habits. If you’ve made mistakes, they can be challenging to recover from, but it’s a doable goal. Of course, if you want to buy a home, take out a personal loan or get a new credit card,… Read More

Could Your HOA Wreck Your Credit?

Could Your HOA Wreck Your Credit?

Could Your HOA Wreck Your Credit?

If you live in a community within a homeowners’ association, you probably have to pay association dues. They can run anywhere from less than $100 a year to more than $1,000 a month, depending on the community. What happens if you don’t pay? Will it ruin your credit rating? It certainly can, as some of… Read More

Can My Credit Keep Me From Getting a Promotion?

Can My Credit Keep Me From Getting a Promotion?

Can My Credit Keep Me From Getting a Promotion?

A reader, Brittney, like many of us, made lots of financial mistakes when she was a young adult, and she has spent the past few years trying to correct them and rebuild her credit. She pulled her credit report (here’s how you can do the same thing, and it’s free) recently and was stunned to… Read More

Show Me More

Find out where you stand.
Get your FREE personalized credit report card.

Sign Up Now
X

Stay Connected to Our Experts

Please submit your email address to get credit & money tips & advice
from our team of 30+ experts, delivered weekly to your inbox.