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!

When an Original Creditor and Collection Agency Show Up on Your Credit Report

When an Original Creditor and Collection Agency Show Up on Your Credit Report

When an Original Creditor and Collection Agency Show Up on Your Credit Report

  It’s discouraging enough when you can’t pay a debt and you know that it’s going to damage your credit score for years to come. But what about when a single debt multiplies, turning into two, three or even more negative items on your credit reports? A discouraging situation can turn downright miserable. Find out... Read More

Does a Business Loan Affect Personal Credit?

Does a Business Loan Affect Personal Credit?

Does a Business Loan Affect Personal Credit?

When starting your own business, funding can be a big hurdle—in more ways than one. And if you’re not careful, the lines between business credit and personal credit can get blurry. As you start setting up your business accounts, make sure you understand your business financing options and how they may affect you personally. Here’s... Read More

Experian Boost vs. UltraFICO: Which is Best for You?

Experian Boost vs. UltraFICO: Which is Best for You?

Experian Boost vs. UltraFICO: Which is Best for You?

Picture newlywed and honeymoon-bound George Bailey walking into the Bailey Building and Loan with his picture-perfect wife Mary, hard-earned $2,000 in hand. Now see him lending his friends and neighbors all of those dollars to keep the good old Bailey Building and Loan afloat when there was a run on the bank. Fortunately, George and... Read More

How Does a HELOC Affect a Credit Score?

How Does a HELOC Affect a Credit Score?

How Does a HELOC Affect a Credit Score?

Yes, home equity lines of credit (HELOC) can have an impact on your credit score. Whether that impact to your credit score is negative or positive depends on how you manage your HELOC. It also depends on your overall financial situation and ability to make timely payments on any amount you borrow via your home equity line of credit.... Read More

FSA Card: What You Need to Know About This Financial Tool and Its Impact on Your Credit

FSA Card: What You Need to Know About This Financial Tool and Its Impact on Your Credit

FSA Card: What You Need to Know About This Financial Tool and Its Impact on Your Credit

An FSA card is the debit card that allows you to access money in your flexible spending account. This is an account that is set up alongside your health insurance, and you can choose to have pretax dollars from your paycheck routed into it. Those funds can then be used to pay for certain qualifying medical expenses. What Are the Benefits of an... Read More

Dealing with a Credit Report for the Deceased

Dealing with a Credit Report for the Deceased

Dealing with a Credit Report for the Deceased

While it’s not something many people think about until faced with the issue, obtaining a credit report for a deceased person is important. It’s important to remember that the death of a loved one can impact your finances. You may need to make sure the credit report is accurate and take stock of any creditors you need to... Read More

Can a Gym Send You to Collections?

Can a Gym Send You to Collections?

Can a Gym Send You to Collections?

You join a gym to get fit, but membership contracts and unexpected bills can potentially leave your credit score in bad shape. Fitness clubs may send your account to collections if you miss payments, turning misunderstandings into recurring problems and frequent reports to credit bureaus. Even years down the road, old debts from canceled gym... Read More

7 Reasons Your Credit Score Isn’t Improving

7 Reasons Your Credit Score Isn’t Improving

7 Reasons Your Credit Score Isn’t Improving

Your credit score is a critical factor in whether you can obtain a home loan or a new credit card or, in some cases, open a bank account or find affordable car insurance. Making payments in a timely manner and otherwise handling debt in a responsible way typically drives your credit score up. Making late... Read More

What Is a Prime vs. Subprime Credit Score?

What Is a Prime vs. Subprime Credit Score?

What Is a Prime vs. Subprime Credit Score?

When it comes to credit, approval is all in the number—the three-digit number that’s your credit score. Most lenders and credit card issuers use this number to determine your risk level as a borrower. In general, credit scores are categorized as bad, poor, fair, good, good or excellent. However, another important designation impacts whether you’ll... Read More

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Certain credit cards and other financial products mentioned in this and other sponsored content on Credit.com are Partners with Credit.com. Credit.com receives compensation if our users apply for and ultimately sign up for any financial products or cards offered.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

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.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

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.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team