My Free Credit Scores Are All Different. What Gives?

Credit Score

My Free Credit Scores Are All Different. What Gives?

My Free Credit Scores Are All Different. What Gives?

There are lots of places that offer free credit scores nowadays, but not every score is the same. Even when you pull your free credit scores, chances are the scores will be different. Why is that? Free credit scores can differ because of the scoring model used, the credit bureau supplying the data and how frequently... Read More

How Many Americans Have Great Credit?

Credit Score

How Many Americans Have Great Credit?

How Many Americans Have Great Credit?

People with great credit are sometimes described as the credit elite, but it may not be as difficult to join that group as you might think. Roughly 20% of consumers with credit reports at at least one of the major credit reporting agencies fall into the top tier of credit scores — scores that are... Read More

Want to See the FICO Scores Lenders See? Now You Can

Credit Score

Want to See the FICO Scores Lenders See? Now You Can

Want to See the FICO Scores Lenders See? Now You Can

Consumers who want to know everything they can about their credit scores seem to be getting more options by the day. Last month, the White House announced that more than half of American adults would soon have access to free credit scores through their credit card issuers. Soon after, Citi began sharing scores with its... Read More

FICO vs. VantageScore: The Credit Score Rivalry Heats Up

Credit Score

FICO vs. VantageScore: The Credit Score Rivalry Heats Up

FICO vs. VantageScore: The Credit Score Rivalry Heats Up

VantageScore is making headway into the credit score market dominated by FICO, says the firm behind the upstart measure of credit-worthiness. Nearly one billion VantageScores were generated in 2014 — a 600% increase — says VantageScore Solutions LLC, a creation of the nation’s three credit bureaus. The number of banks using the scores increased by... Read More

No Credit Score? You Still May Have Decent Credit

Credit Score

No Credit Score? You Still May Have Decent Credit

No Credit Score? You Still May Have Decent Credit

Tens of millions of Americans don’t have credit scores, meaning they have little or no access to things like credit cards, auto loans, personal loans and mortgages. People with poor credit are similarly limited, and there’s a good reason for that: Without a good credit history, you’ll have a hard time finding someone who will... Read More

Which Credit Score Should I Pay Attention to?

Credit Score

Which Credit Score Should I Pay Attention to?

Which Credit Score Should I Pay Attention to?

There is no one credit score. There are many. The one that matters the most is the credit score that a lender looks at when considering your loan or credit card application. So how do you make sense of all of the credit scores out there? Most lenders use FICO scores or VantageScores when evaluating... Read More

6 Recurring Expenses That Don’t Help Your Credit Score

Credit Score

6 Recurring Expenses That Don’t Help Your Credit Score

6 Recurring Expenses That Don’t Help Your Credit Score

Isn’t it ironic how you can have an excellent payment history but poor credit? Your credit score is one of the most prized possessions in your financial profile, and a low score can be very detrimental to your financial well-being when you need to borrow money. It doesn’t help when you desperately want to improve your score, but are in... Read More

A Roadmap to Better Credit Scores

Credit Score

A Roadmap to Better Credit Scores

A Roadmap to Better Credit Scores

I’m often asked about the best ways to improve a consumer’s credit scores. Is it by paying bills on time or is it better to pay off credit card debt? Or, is it by avoiding any new, unnecessary credit?  The answer, of course, is that all of those factors are important to achieving and maintaining... Read More

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We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

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Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

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Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

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- The Credit.com Editorial Team