No Credit Score Doesn’t Mean a Zero Credit Score
If you have no credit history, you have no credit score — but not a zero credit score.
Use a Credit Score Simulator to Road-Test Financial Decisions
A credit score simulator can help you see which actions, like paying down a particular balance, can help most.
700 Credit Score: Is It Good or Bad?
A 700 credit score falls into the good range. Find out what you credit score can get you, and how to improve your credit.
Does Applying For a New Credit Card Hurt Your Credit?
A new credit card will cause a small, and temporary, dip in your credit score at first. To come out ahead: only apply if you’re likely to qualify, keep spending the same and pay your bill on time each month.
How Length of Credit History Affects Your Credit Scores
How long you've had credit affects your score. But paying on time and not using a lot of your limit matter more.
Does Checking Your Credit Score Lower It?
Checking your own credit score won’t lower it. That’s because it’s considered a soft inquiry — a type of credit check that has no impact on your score.
Missed a Payment? Here’s How It Affects Your Credit and What to Do Next
Paying a bill 30 days or more past the due date could drop your score and stay on your credit reports for up to seven years. Here's what you can do to help limit the damage.
Do Other Countries Have Credit Scores, and Does My U.S. Credit Score Follow Me?
There's no worldwide system for evaluating credit, but certain habits, like paying on time, matter everywhere.
No Credit vs. Bad Credit: What’s the Difference and How to Fix It
Learn the difference between having no credit and having bad credit, why it matters to lenders, and simple steps you can take to build — or rebuild — your credit score.
Got debt? How making a partial payment can hurt your credit score
You might assume making a partial payment will help lower your debt balance, but some lenders won't accept them, and you can still face late fees, growing interest and damage to your credit score.
How to Rebuild Credit After Bankruptcy
On-time payments and careful use of a secured card or loan are key to rebuilding credit after bankruptcy.
Credit Repair Services: Should You Use One?
Credit repair services address errors that could be hurting your score, but you can do the same things for free.
How to Prevent Identity Theft: Warning Signs, Protection Services and More
ID theft is when someone illegally poses as you, usually to get money. Know these warning signs and prevention tips.
Landlord Credit Check: What to Expect
Many landlords use screening services to predict if a potential tenant will pay rent on time. Before you apply, find out how credit checks work, what landlords see and how to improve your chances of getting approved.
Car Repossession: Know Your Rights and What to Do
Find out why your car was repossessed, see if you can get it back — and know your rights.
Late Payment on Your Credit Report? A Goodwill Letter Could Help Fix It
A goodwill letter explains why you had a late payment and asks the creditor to take it off your credit reports as a one-time favor. Use our downloadable template to simplify the process.
How Does the Fair Credit Reporting Act Protect You?
Federal law gives you free access to your credit report, regulates who else can see it and lets you dispute errors.
9 Ways Good Credit Can Make Life Easier — and Save You Money
Good credit can help you borrow money more cheaply, qualify for credit cards, have lower insurance costs and more.