Articles Index

What is Bad Credit?
So, you’ve heard your credit is not where it should be. What is bad credit anyway? To improve your situation you need to understand what bad credit is and how to fix it. Let’s take a closer look at your credit and how it affects you.

CreditReport.com Review
CreditReport.com is an online service offering access to your credit reports and scores. You may find free trial offers at CreditReport.com, and you may also sign up for ongoing paid programs. Let’s take a quick look at CreditReport.com and what you get.

Credit.com Review
A review of Credit.com, one of the most popular websites for learning about your credit. Learn about the quality and people of Credit.com.

Free Credit Scores - How to Get Free Credit Scores
Credit scores are important, so free credit scores are handy. Your scores affect whether or not you’ll get a loan, and how favorable the terms are. Free credit scores are hard to find though. Most companies advertising free credit scores intend to charge you sooner or later. Here are a few ideas on how you can truly get free credit scores, and a request for your ideas.

Free Credit Information
It’s hard to find free credit information. Websites claim to provide free credit reports and scores, but you rarely get what they promise. Let’s review the few places that truly provide information for free.

Do Bounced Checks Affect Credit?
Bounced checks do not get reported to the major credit bureaus, so they do not affect your mainstream credit scores. However, other problems can arise, and it's possible for your credit to get dragged into the situation.

What Factors Affect Credit?
Credit is important, but what factors affect credit? There are a lot of myths about how credit scores work and what affects credit in general. Let’s review how your credit works and what will hurt you or help you.

Does Marriage Affect Credit?
Getting married will not affect your credit. However, accounts that you share with your spouse can affect credit scores. When you get married, the accounts you had in your name are still just in your name. Your new spouse is not automatically added, and your credit files are not merged.

Do Utility Payments Affect Credit?
In general, utility bills (if they're paid on time) do not affect credit. Most utility companies have no effect on your credit unless there’s a problem. However, some alternative credit scores look at utilities.

Does Foreclosure Affect Credit?
Foreclosure will hurt your credit. A foreclosure shows that you were unable to support a very large and risky loan, and banks will be skittish about working with you in the future. Let's review how foreclosure affects credit and what you can do.

Does Income Affect Credit?
Does Income Affect Credit? Generally, no. Your borrowing and payment history affect credit much more than your income. However, there are a few exceptions.

What is a Credit Score?
Credit scores are important, but what is a credit score? A credit score is a number that says something about you and your borrowing history. To understand what a credit score is and how you can get a better one, you need to know a few things about credit.

What is Credit?
You need good credit, but what is credit? In order to improve your credit you need to know how credit works, what hurts it, and how you can manage it. Let’s look at what credit is, how it works, and where to find out more about it.