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!

Does Your Credit Report Have a Doppelganger?

Does Your Credit Report Have a Doppelganger?

Does Your Credit Report Have a Doppelganger?

Credit reports often feel like a mystery, particularly if you haven’t seen yours. But what if you discovered you had a second credit report you didn’t know existed? “It’s a pretty rare thing,” says Carla Blair-Gamblian, director of credit education for Veterans United. But every once in a while she’s seen situations where a client ended… Read More

The Credit Score You’ve Never Heard Of

The Credit Score You’ve Never Heard Of

The Credit Score You’ve Never Heard Of

Imagine checking your FICO score and finding out it is 300. You’d probably be crushed; after all that’s the lowest (and worst) score you can get under most FICO credit scoring models. But if you were an entrepreneur applying for a small business loan, you could break out the champagne because when it comes to… Read More

The Millennial Mindset That’s Setting Them Up for Financial Success

The Millennial Mindset That’s Setting Them Up for Financial Success

The Millennial Mindset That’s Setting Them Up for Financial Success

Millennials are big on communication and DIY projects. While some say they are self-centered, or even self-obsessed, others point to their tendency for group-think and communitarian leanings. They believe more in the power of their network of friends than in institutions. One thing is for sure: Millennials are heavily invested in controlling the narrative of… Read More

Why Does My Credit Card Limit Affect My Credit Score?

Why Does My Credit Card Limit Affect My Credit Score?

Why Does My Credit Card Limit Affect My Credit Score?

Occasionally we get questions from readers who have gotten an automatic credit limit increase, and they wonder if there is a downside to accepting it. Or they close a little-used account and their credit scores go down, even though they are using cards and paying them off exactly as they had been. What’s going on… Read More

Who Cares About Your Credit Score?

Who Cares About Your Credit Score?

Who Cares About Your Credit Score?

Checking your credit score is a little bit like eating your vegetables: Some people genuinely love doing it, others force themselves to and the rest of us write it off as unimportant. After all, your physical and financial health is a personal thing. It may seem like your credit score and how you manage it is… Read More

Help! I Paid Off My Credit Card & My Credit Score Dropped

Help! I Paid Off My Credit Card & My Credit Score Dropped

Help! I Paid Off My Credit Card & My Credit Score Dropped

For years, the standard advice by many experts is that you don’t have to carry a balance on your credit cards (and pay interest) to get a good credit score. (I’ve certainly said that more than once.) But a flurry of readers on the Credit.com blog say their experiences show otherwise: I just paid the $39… Read More

3 Smart Habits That Can Help Build Your Credit

3 Smart Habits That Can Help Build Your Credit

3 Smart Habits That Can Help Build Your Credit

When it comes to credit scores, a true quick fix is all too rare. While that might be disconcerting to hear, it doesn’t mean all hope is lost. Improving your score basically boils down to two things: following good credit practices and time. While you don’t have any control over time, you can control the… Read More

How to Improve Your Credit Score By Labor Day

How to Improve Your Credit Score By Labor Day

How to Improve Your Credit Score By Labor Day

It’s summer, and now hardly feels like the time to “work” on anything. But some things — like boosting your credit score — can be worth some extra motivation. And if you’re looking to finance a large purchase after Labor Day, now’s the time to work on your score. 1. Know Your Weaknesses First step:… Read More

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