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!

The Simple Chart That Can Explain Why Your Credit Score Dropped

The Simple Chart That Can Explain Why Your Credit Score Dropped

The Simple Chart That Can Explain Why Your Credit Score Dropped

Being late on one bill can’t hurt your credit score that much, right? Wrong! Not only can a single, small late payment slice 100 points off your credit score, it can take three years to recover from the damage. The roughly 60% of Americans who have excellent, 700-or-above credit scores, and who might think they… Read More

Add a Credit Check to Your New Year To-Do List

Add a Credit Check to Your New Year To-Do List

Add a Credit Check to Your New Year To-Do List

If you’re like me and you spend the beginning of the year setting up all those appointments and updating lists of tasks that have to be done on an annual basis (like checkups, turning the mattress and replacing the batteries in smoke detectors), I have another item to add to your list: a credit checkup…. Read More

No Credit Score? You Still May Have Decent Credit

No Credit Score? You Still May Have Decent Credit

No Credit Score? You Still May Have Decent Credit

Tens of millions of Americans don’t have credit scores, meaning they have little or no access to things like credit cards, auto loans, personal loans and mortgages. People with poor credit are similarly limited, and there’s a good reason for that: Without a good credit history, you’ll have a hard time finding someone who will… Read More

The Single Biggest Threat to Your Credit in January

The Single Biggest Threat to Your Credit in January

The Single Biggest Threat to Your Credit in January

It’s January and another holiday shopping season is over. Whether you were frugal or went all out, your credit score may be at risk for a reason that’s probably not even on your radar. It has to do with retail credit cards you may have opened, or cards you pulled out of a drawer and… Read More

5 Ways to Improve Your Credit Score in 2015

5 Ways to Improve Your Credit Score in 2015

5 Ways to Improve Your Credit Score in 2015

The new year is a time for resolutions, new beginnings and (hopefully) a higher credit score. It may be the last thing you are thinking about this holiday season, but your credit score can affect your mortgage, your job potential and, ultimately, your life. So, now is the time to start thinking about, monitoring and improving it…. Read More

6 Ways Your Credit Score Is Like Your Weight

6 Ways Your Credit Score Is Like Your Weight

6 Ways Your Credit Score Is Like Your Weight

Many of the most popular New Year’s resolutions involve health and finances. They require similar approaches, like patience, discipline and self-control, and even their measurements are alike. Here are a few ways your credit score is like your weight. 1. It’s Important to Your Health Your weight isn’t the only indicator of your overall health, but it’s… Read More

Will Credit Monitoring Hurt My Credit Score?

Will Credit Monitoring Hurt My Credit Score?

Will Credit Monitoring Hurt My Credit Score?

Is there a downside to accepting an offer for credit monitoring from a credit card company? One Credit.com reader, April, received such an offer and wondered if accepting it was a good idea. “Does this have a negative impact on my credit score?” she asked. “Is it considered an inquiry?” She doesn’t need to worry. Credit monitoring will… Read More

The Danger of Maxing Out Your Credit Cards

The Danger of Maxing Out Your Credit Cards

The Danger of Maxing Out Your Credit Cards

Doing some research for a larger story about the “damage points” associated with having a credit-related boo-boo, I stumbled on this important factoid: A consumer with excellent credit who maxes out a credit card will see a credit score drop of 25 to 45 points. In other words, someone with a superb 780 score could see that… 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.