Credit Reports & Credit Scores

Information about the credit bureaus, how to correct errors on your credit report and how credit scores work.

Starting in September 2007, FICO will ignore authorized user accounts in their new credit scoring models. Read more about the phase-in plan for this change and what it might mean for your credit.

A major change to the FICO credit score formula was announced by Fair Isaac Corporation in early June. FICO scores will no longer factor authorized user accounts into their credit scoring formulas. Read about the impact of this change on your credit scores.

Figuring out exactly how credit scores work is problematic. Like nuclear fission, learning Chinese and setting the clock on your DVD player, credit scoring is not something that most people can easily master. In this article, our financial experts reveal secret information about late payments and how they impact your credit scores.

550? 725? 680? What does your credit score mean? In this article, we show you exactly what goes into having good credit, fair credit, and bad credit. See what your credit score tells lenders and what you need to do to improve.

Estimate your credit score in seconds with this easy-to-use tool. See what factors go into your score. Plus, get AccuMatch^TM product recommendations. Learn about your credit score today!

This article answers nine of the most frequently asked questions you may have about your credit report. These include: why there are three credit bureaus, how long negative history says on the report, the top ways to rebuild your credit score, and how soon you can expect to see a credit score develop if you are just beginning to get credit.

What is a credit report? Where does the information come from? Who uses it? All your credit report questions are answered in this article covering the basics.

Anyone who has ever applied for a credit card, loan or cell phone has encountered their credit scores. But how much do you really know about scores?

Did you know that you are entitled to a free credit report from Equifax, Experian and TransUnion once every 12 months? In this article, Credit.com's experts show you how to order your free credit reports, hidden tricks to making the ordering process go smoothly and ideas for making the best use of this free service.

Your credit data impacts a wide range of financial decisions. Inaccurate and fraudulent information on your reports could lead to costly increases in your rates. From checking your credit reports for errors to correcting these inaccuracies, this article shows you how to keep your credit reports accurate and healthy.

This step-by-step guide shows you the best way to correct inaccurate information on your credit reports. First, check the expiration dates of the records. Next, customize our sample dispute letter and send your correction to the credit bureaus. Get started now