The questions from readers keep pouring in and they almost all boil down to the same thing: “How do I improve my credit scores?” or “What effect will this action (short sale, credit counseling, etc.) have on my credit scores?” They can both be tough questions to answer. After all, credit scores are calculated using… Read More

The 9 to 5 grind is quickly becoming a thing of the past. According to the Freelancer’s Union, a Brooklyn, N.Y.-based organization, nearly 42 million Americans have gone rogue, either due to the loss of a full-time job or the desire for a flexible lifestyle. That’s good news for employers who’d rather not pay for… Read More

The Credit.com Forum recently saw this post about how credit scores consider authorized users on credit cards: Is Dave Ramsey right about authorized users? “I saw that this was published through several sources within the last week.  I thought being an authorized user could at times be beneficial to the authorized user….” Nationally known author,… Read More

People love good spy stories! That’s why spies like James Bond and Jason Bourne have such enduring popularity. Spies rely on their wits but they also rely on cool tools like exploding pens and secret decoder rings to help them do their job. You might not be an international spy that jets from one exotic… Read More

You’ve heard the standard advice: check your credit reports for free once a year at AnnualCreditReport.com. You may have even heard the suggestion that you stagger your requests at that site so you’ll get a report from one of the three major credit reporting agencies every four months, thereby allowing you to check your credit… Read More

Whether you are just starting out or starting over, figuring out how to build credit can be confusing. Don’t let it overwhelm you. There are some simple steps you can take right now to establish credit. Before you know it, lenders will be chasing you with offers! 1. Check your credit. If you haven’t established… Read More

Summer draws to a close with mixed feelings for most of us: Although we might have enjoyed some vacation time with family – perhaps a trip to the beach — it’s also nice to see our home routines returning to normal. By the end of summer, the whole family starts to get a little stir-crazy… Read More

The CreditExperts at Credit.com recently received this question from a reader:  Hi, I have a 532 credit score at this point because I lost my job in 2008 and was forced to take another at a reduced pay scale.  I have debt but will be paying all of it off in September.  Will this raise… Read More

Repairing a shoddy credit report requires time, but there are few steps you can take to expedite the process. Here’s what to do if you’re hoping to give your credit score a boost in 3 months. Pay down credit card debt One of the only surefire ways to give your credit score a quick boost… Read More

Probably one of the last things on many people’s minds while going through a divorce is their credit score.  Unfortunately, a divorce can have an impact on one’s credit in certain situations. So what can you do if your credit score takes a hit after divorce?  A reader wrote in with this question: I had… Read More