5 Things You Can Finally Do Once Your Credit Improves

Credit Score

5 Things You Can Finally Do Once Your Credit Improves

5 Things You Can Finally Do Once Your Credit Improves

Where was your credit in the spring of 2008? For many people it was teetering on the edge of solvency, about to plummet into the deep hole known as the Great Recession. By the end of the following year, 2009, mortgage delinquencies would climb to almost 7%, according to data by TransUnion. Credit card late... Read More

5 Things Good Credit Can Get You

Credit Score

5 Things Good Credit Can Get You

5 Things Good Credit Can Get You

Need a good reason to get serious about reviewing, maintaining or rebuilding your credit score? We can give you five of them. These are all important things a great credit score may get you: 1. Great Rates You don’t need someone to tell you that your credit score will be a key factor in determining... Read More

5 Surprising Times Your Credit Matters

Credit Score

5 Surprising Times Your Credit Matters

5 Surprising Times Your Credit Matters

“I DON’T CARE what my ‘credit score’ is,” one of our readers wrote in a recent comment on the Credit.com blog. “I am debt free except for my house. I use credit cards for everything possible and pay them off in full every month.” Is good credit really that important? Some people obviously don’t think... Read More

How to Maintain Good Credit Without Debt

Credit 101

How to Maintain Good Credit Without Debt

How to Maintain Good Credit Without Debt

Credit is a system of trust, and that trust can only be established through experience. It doesn’t really matter how you get started — a credit card, student loans, a personal loan, asking someone else to co-sign a loan or add you as an authorized user to their credit card — but you have to... Read More

The Most Common Credit Misconceptions

Credit Score

The Most Common Credit Misconceptions

The Most Common Credit Misconceptions

Most of us aren’t clueless about credit scores, but we may be making costly mistakes. A recent annual survey by Consumer Federation of America and VantageScore Solutions about consumer credit knowledge found that a “large majority of Americans know a great deal about credit scores.” But it also identified some common misconceptions about credit that... Read More

How Important Is Your Credit Score?

Credit Score

How Important Is Your Credit Score?

How Important Is Your Credit Score?

“How important is your credit score?” That question was posed to me recently as I stood onstage after delivering a presentation on how to optimize your credit to a group of some 500 women for the annual Women’s Money Conference in Las Vegas. I only had a few moments to summarize the importance of credit... Read More

How to “Dilute” Your Bad Credit for a Higher Score

Credit Score

How to “Dilute” Your Bad Credit for a Higher Score

How to “Dilute” Your Bad Credit for a Higher Score

Is it possible to dilute your bad credit with good to boost your score? The Credit.com News & Advice Blog recently received the following comments from one of our readers: I had a lot of medical collection accounts from an illness about 1 1/2 years ago. I disputed all of the accounts and a couple... Read More

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