Credit 101

Get straight answers to ten of the most common credit questions! Learn about universal default clauses, debt collections and credit score improvement directly from the experts.

Credit 101 covers the fundamentals of credit. The objective is to help you better understand and leverage your credit history in order to get the most out of this element in your life.

Your credit record is being watched. All kinds of companies sneak peaks at your credit report for all kinds of reasons. And while your credit file isn't as popular as a YouTube? video, it does get plenty of action. Read more about who?s using your credit.

Welcome, freshmen. Your college adventure is about to begin and so is a whole new phase of your financial life. Learn how to open a checking account, get a credit card, find financial aid and rent an apartment.

Mistakes on credit reports are extremely common. Luckily, there?s a way to correct inaccuracies on your credit reports and scores with the credit bureaus. We show you three easy steps.

A credit report is jam-packed with information reflecting credit choices, obligations, and payment patterns. Learn how to spot the important pieces of data on your credit report and what to do with that information.

Unfortunately, simply paying off a collection account will not improve your credit scores. The fact that you have paid the account will have no impact on your credit score whatsoever. As long as the collection account is listed on your credit reports - paid or unpaid - it will have a negative impact on your credit scores

Learn about the five categories of credit report data that make up your credit scores. See how you can maximize your score points in each category.