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!

How an Accident Can Affect Your Credit Score

How an Accident Can Affect Your Credit Score

How an Accident Can Affect Your Credit Score

Bad weather in the winter can make driving terrifying. You may see lots of car accidents during snowstorms. The Centers for Disease Control and Prevention (CDC) estimates that over 30,000 people die in car accidents every year in the U.S. These car accidents cost about $44 billion in medical care and work loss. And that’s... Read More

6 Ways to Prepare Your Credit Card for the Holidays

6 Ways to Prepare Your Credit Card for the Holidays

6 Ways to Prepare Your Credit Card for the Holidays

The holiday season is around the corner again, and that means everyone is scurrying to buy gifts for loved ones, friends, and even colleagues at the office. And as each year goes by, the hype that comes with the holiday season grows larger and larger, which can make it a stressful experience for even the... Read More

Give Yourself the Gift of a Good Credit Score

Give Yourself the Gift of a Good Credit Score

Give Yourself the Gift of a Good Credit Score

The holidays are just around the corner. You may be thinking of all the people you need to buy gifts for. When most people do their holiday shopping, they don’t always think about how their spending impacts their credit scores. However, A good credit score is important to your financial health and your life. Good... Read More

The Experian Credit Score vs. FICO Score: Differences to Know

The Experian Credit Score vs. FICO Score: Differences to Know

The Experian Credit Score vs. FICO Score: Differences to Know

When you think credit score, you probably think FICO. The Fair Isaac Corporation introduced its FICO scoring system in 1989. Since then, “what is my FICO score?” is a common question. The FICO Score also has also made its way into all kinds of lending decisions, most notably decisions about mortgages, credit cards, and rentals. More... Read More

How Paying Off Debt Affects Your Credit Score

How Paying Off Debt Affects Your Credit Score

How Paying Off Debt Affects Your Credit Score

With credit playing such a huge factor in our financial futures, it’s no wonder we look for ways to maximize our credit scores. And a common strategy for building our credit scores is to pay off debt, which can help improve a credit score, especially if the card holder is carrying a large balance. It... Read More

What’s the Fastest Way to Boost My Credit?

What’s the Fastest Way to Boost My Credit?

What’s the Fastest Way to Boost My Credit?

Article originally published September 1st, 2016. Updated October 29th, 2018.  It’s a common question around these parts: how do I fix my credit? And, while credit scores do have a lot of nuances, the answer is actually pretty straightforward: pay all your bills by their due dates, keep your debt levels low, add a mix of accounts... Read More

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

Don’t Be Afraid of Your Credit Score. Check Yours Today for Free

With Halloween just around the corner, most Americans are looking forward to all sorts of spooky excitement. Jack-o-lanterns, costumes, candy, and parties. But one thing that might scare some people this Halloween is checking their credit score. According to the Annual Credit Score Survey produced by the Consumer Federation of America and VantageScore Solutions, 57... Read More

How Much Do Americans Actually Know About Credit Scoring?

How Much Do Americans Actually Know About Credit Scoring?

How Much Do Americans Actually Know About Credit Scoring?

Every year, the Consumer Federation of America (CFA) and VantageScore Solutions work together to produce the Annual Credit Score Survey. This survey examines how much Americans actually know about the credit system. With the average credit score reaching a record high of 700 last year, Americans might know a lot more than we think. The... 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