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!

Are We One Step Closer to Your Facebook Friends Impacting Your Credit?

Are We One Step Closer to Your Facebook Friends Impacting Your Credit?

Are We One Step Closer to Your Facebook Friends Impacting Your Credit?

The U.S. patent office granted Facebook an updated patent on technology that would allow lenders to evaluate loan applicants based on their social network connections, reports VentureBeat. The technology tracks how closely (or not) people are connected. The technology is employed to minimize spam (people sending messages to those with whom they have no relationship)… Read More

7 Ways to Build Credit Without a Credit Card

7 Ways to Build Credit Without a Credit Card

7 Ways to Build Credit Without a Credit Card

Let’s say you know you want good credit, but you also know you do NOT want the most ubiquitous credit product around. No way do you want a credit card. Perhaps you follow a certain personal finance guru’s advice to avoid them. Or maybe you’ve gotten in trouble with them before and don’t want to… Read More

The Right Way to Get Out of Your Apartment Lease

The Right Way to Get Out of Your Apartment Lease

The Right Way to Get Out of Your Apartment Lease

What happens if you need to break a lease on a home or apartment? Is your credit doomed to destruction? Maybe, or maybe not. It depends in part on how you handle it. There are numerous reasons why individuals want to get out of a lease before it’s up. Here are three recent stories from… Read More

How I’m Rebuilding My Credit After Bankruptcy

How I’m Rebuilding My Credit After Bankruptcy

How I’m Rebuilding My Credit After Bankruptcy

Tracy M. (he asked we not share his full name) is rebuilding his credit for the second time. It’s a long haul but despite numerous obstacles — including six-figure student loan debt that has tripled due to fees and interest — he’s not giving up. His experience with credit started in college when a furniture store offered his a… Read More

Bad Credit Can Raise Your Car Insurance Rate More Than a DWI

Bad Credit Can Raise Your Car Insurance Rate More Than a DWI

Bad Credit Can Raise Your Car Insurance Rate More Than a DWI

Is your less-than-perfect credit score costing you a bundle on auto insurance? A new study suggests this hidden fee might be costing drivers hundreds of dollars each year. Most consumers know that low credit scores can cause all sorts of collateral damage, such as higher interest rates. However, in most states, it can also lead… Read More

3 Small Business Loans That Don’t Require Good Credit

3 Small Business Loans That Don’t Require Good Credit

3 Small Business Loans That Don’t Require Good Credit

Starting and growing a business can be a risky proposition. Many owners go all in, using personal loans or credit cards to fund their start-ups. But what if you have bad credit? Can you still get funds to launch or expand your venture? The answer is “yes.” And, in fact, it’s easier than ever to… Read More

Who’s Not Allowed to See Your Credit Score?

Who’s Not Allowed to See Your Credit Score?

Who’s Not Allowed to See Your Credit Score?

One of the most common complaints about credit scores isn’t even true — that your employer or potential employer can see your credit score. “That’s probably the most common myth that that I hear about credit reports and scores,” said Rod Griffin, director of public education for credit bureau Experian. Generally, anyone who can legally… Read More

Credit Card Convenience Checks: A Cautionary Tale

Credit Card Convenience Checks: A Cautionary Tale

Credit Card Convenience Checks: A Cautionary Tale

A credit card convenience check allows you to tap your credit card’s line of credit, and can seem like a godsend if money is tight and you need a short-term loan, or you need to consolidate debt. But there can be pitfalls that catch even the most careful cardholders unaware. Our reader, whom we’ll call… Read More

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