How Will Opening a New Account Affect My Credit?

Credit 101

How Will Opening a New Account Affect My Credit?

How Will Opening a New Account Affect My Credit?

How a new account will affect your credit scores depends mostly on your overall credit history and on the type of new account you are opening. New accounts make up about 10% of your credit score. First, opening a new account will likely produce a credit inquiry on your credit reports. This new inquiry may… Read More

9 Mistakes That Kill Your Credit

Credit Score

9 Mistakes That Kill Your Credit

9 Mistakes That Kill Your Credit

Credit can be a tricky thing — some behaviors are obviously harmful to your credit, like paying late (or not at all), or maxing out your cards. But some mistakes aren’t all that obvious, and in fact some actions that might seem beneficial can actually have a terrible impact on your credit.  We’ve compiled the… Read More

How Important Is My Credit Score?

Credit 101

How Important Is My Credit Score?

How Important Is My Credit Score?

We took to the streets to have real consumers like you give us their biggest credit questions. In this video, Jeff asked us to explain why his credit score matters. Looking for a break down of your credit report and score? Check out the free Credit Report Card.

How Refinancing Can Affect Your Credit

Credit Score

How Refinancing Can Affect Your Credit

How Refinancing Can Affect Your Credit

It hardly seems possible that mortgage rates can get much lower, but they have. Homeowners are taking notice and refinancing their mortgages. Freddie Mac reports that 30-year fixed-rate mortgages have reached an all-time record low at 3.4 percent for the week ending September 27, 2012, down from last week’s 3.49 percent. So if you’re on the… Read More

How to Spot Fraud On Your Credit Reports

Identity Theft

How to Spot Fraud On Your Credit Reports

How to Spot Fraud On Your Credit Reports

You find wrong information on your credit report. Is it a simple mistake or something more sinister? Here are some warning signs that you could be a victim of credit fraud: Your personal information is wrong. “If you see a name you’ve never used, a Social Security number that doesn’t belong to you or an… Read More

How a Mortgage Can Help (or Hurt) Your Credit

Credit 101

How a Mortgage Can Help (or Hurt) Your Credit

How a Mortgage Can Help (or Hurt) Your Credit

Will a mortgage help — or hurt — your credit? If you’re thinking, “Well, both,” you’re exactly right. But there are subtleties involved that may surprise you. To get a mortgage these days, a lender is going to closely scrutinize your income, debt, and credit history before giving you the loan. That makes a mortgage… Read More

The Complete Guide to Personal Loans

Personal Loans

The Complete Guide to Personal Loans

The Complete Guide to Personal Loans

It started out as a simple question on the Credit.com forum, “Anyone know the difference between a consolidation loan and a personal loan?  I see both on this site and others, but not sure what the difference is — are they the same?” A simple question? Perhaps. But it reminded us how confusing loan terminology… Read More

Can You Really Get Your Credit Score for Free?

Credit 101

Can You Really Get Your Credit Score for Free?

Can You Really Get Your Credit Score for Free?

We often talk about how important it is to stay on top of your credit reports and scores. We encourage consumers to review their free credit scores, whether that’s through Credit.com’s Free Credit Report Card or another service. But the truth is, once you have that information, figuring out what to do with it can… Read More

Show Me More

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

Sign Up Now
X

Start Maximizing Your Credit Today

Credit ScoreGet a FREE personalized credit check-up today.

Get Started - It's Free!