Credit Reports and Scores

Understanding your credit scores and being able to read your credit report is crucial. Learn how to obtain and interpret your report, fix errors in your credit report, and improve your overall credit scores.

Explore Credit Reports & Scores

A business owner checks his credit score.
How Business Credit Cards Affect Your Personal Credit Score
A customer and credit repair expert discuss how to clear up mistakes on her credit report.
Is Credit Repair Legal in All 50 States?
Picture of Leslie Tayne, financial attorney and author of "Life & Debt: A Fresh Approach to Achieving Financial Wellness."
Q&A: Understanding the Credit Repair Process
Planning the finances is not easy
How Much Will It Cost To Repair My Credit?
Woman Checking Credit Score Online On Laptop
Best Credit Monitoring Services of 2022
Credit Report
The 6 Best Free Credit Reports of 2022
Woman watching as car is towed away
How Car Repossession Impacts Your Credit
Illustration showing the benefits of a good credit score
9 Attractive Benefits of a Good Credit Score
credit report form on a desk
Here Are 3 Convenient Ways to Order Your Free Annual Credit Report
Credit card with icicles illustrates a credit freeze
How to Freeze Your Credit Report at TransUnion for Free
Numerals on Credit Card
What to Do About a Card That Is Not Yours on a Credit Report
Young woman with calculator and digital tablet
What Is a Credit Score?
Credit report form on a desk
Is Legit or a Scam?
Two arrows representing credit card balances going up and down
The Big Reason You Should Keep Credit Card Balances Low
A woman who seems worried or concerned discusses the problem with a woman seated across from her.
How To Freeze Your Credit Report at Equifax for Free
Man reading through credit documents
What Is a Tradeline on a Credit Report?
A woman sits at her kitchen table and views her credit bureau information on her phone and computer
What Is a Credit Bureau?
All About FICO 8 Credit Scoring: Adopted by Equifax, Experian, and TransUnion Scores range from 300 to 850 Allocation of your score is based on the following: 35% payment history 30% credit utilization 15% credit age 10% recent applications 10% mix of credit
What Is the FICO Score 8?
Man with credit card and laptop
Understanding Your Credit Report and the FCRA
A young woman reviews financial information on her smartphone and laptop.
How Long Does It Take to Unfreeze Your Credit Reports?
Loan officer reviewing a credit report with an applicant
What Is a Credit Check?
SmartCredit Mobile App
Review of the SmartCredit Credit Report
hands taking a paper credit report out of an envelope
How Safe Is
A credit history report
How to Manage Your Experian Credit Report
Image shows a man sitting at a desk, his hair ruffled and seemingly very stressed. There are pieces of paper all over the desk that say "delinquent" and "account closed". Text reads: "Tips for removing a charge-off from your credit report. A charge-off is one of the worst items you can have on your credit report. Talk to the creditor, get the agreement in writing. If negotiation fails, decide if you want to pay the account or not. Keep in mind that some lenders will not grant new credit or loans until all past due accounts are taken care of"
Remove a Charge-Off From Your Credit Report and Boost Your Score
man calculating numbers on computer
10 Things You Can Do Today to Improve Your Credit Score
Man working at home
What Is the Average Credit Score in Your State?
Couple handles paperwork in front of a laptop while sitting at their kitchen table
What Is Bad Credit?
Two little girls sit on the sidewalk and enjoy melting ice cream novelties on a hot day. One of them appears to be experiencing "brainfreeze."
How To Freeze Your Credit Report at Experian for Free
A young consumer looks over the details of her credit report.
How to Freeze Your Credit Report at Each Credit Bureau
A woman is discussing business over the phone
Need To Make a Credit Report Dispute? Here's Where You Send It
Image shows a woman looking over papers and working on a calculator, taking notes as she goes. Text reads: "Tips for removing debt collections from your credit report: dispute if it's not your collection; dispute after seven years; dispute when collectors sell; pay for deletion; ask for a goodwill deletion' if you're not able to get the collection account removed from your credit report, pay it anyway"
How Do You Remove Debt Collections From Your Credit Report?
A woman looks at loan advertisements
What Is a Triggering Term?
A woman uses a credit card to pay at a coffee shop.
What Is the Credit Utilization Ratio?
Image shows a woman sitting at a computer looking at a 690 credit score. Text reads: "Ways to remove a negative credit report entry: submit a report to the credit bureau; send a pay for delete offer to your creditor; make a goodwill request for deletion; wait out the credit reporting time limit; dispute with the business that reported to the credit bureau"
How to Remove Negative Credit Report Entries Yourself
Couple researching their credit card on a computer.
What It Means to Have Available Credit on Your Credit Card
Woman checking her credit score online from her laptop
How Important Is a Maximum Credit Score?
Couple reviewing their credit card statement and worrying that the balance is wrong.
Why a Credit Report May Show the Wrong Card Balance
Attractive and happy African American woman shopping online
Get Closed Accounts off Your Credit Report
A store owner checks her credit score on her smartphone.
What Is a Credit Reporting Agency?
Man reading paper with bad news
What Does 'Account Closed at Grantor's Request' Mean?
Image shows a man looking at his bills very stressed out. Text reads: "When does closing a bank account hurt your credit score? Collections generally remain on your credit report for seven years; if you close a bank account that's overdrawn and has a negative balance, a collection agency may try to collect on your debt; the agency ill likely report your debt to the credit bureaus"
Find out How Closing a Bank Account Can Affect Your Credit Score.
Illustration of tips for rebuilding your credit score (found in article).
These Are the Four Steps to Take to Rebuild a Bad Credit History
This illustration describes what car dealerships look for in your credit score including "Recent bankruptcy," "Signs that you may file bankruptcy soon," "Minimal credit history," "Signs of having gone through credit repair," Previous late payments on an auto loan,' and "Previous repossession or collections from an auto loan."
Why Your Credit Score Is Different From the Auto Lender's
Student in suit looks at laptop in living room
What Do the Abbreviations on My Credit Report Mean?
Man ripping contract at desk
Can "No Contract" Get You off the Hook for Collection Accounts?
A person holding a tablet with an "excellent" credit score displayed
Does Checking Your Credit Score Lower It?
Poeple standing at the top of a bar chart
A Breakdown of the Average Credit Score by Age
A man paying bills on a laptop
Here's How Paying a Charge-Off Will Affect Your Credit Score
A happy couple reviews their credit report
5 Factors That Affect Your Credit Score
Credit report overview
How to Get Your Free Credit Report
Two Major Differences Between FICO and VantageScore
A woman is up late on her laptop
How Long Does It Take Your Credit Score to Improve?
Young woman sitting on the floor by her laptop, looking through credit report
How to Get a Free Credit Score When You Don't Have a Credit Card
Female shopper paying with contactless credit card in shop
What Is a FICO Score?
Man has advantage in running a race
What Can You Do With an Excellent Credit Score?
Image shows two credit cards, one with a happy face and a rainbow, the other with a sad face and cobwebs. Text reads: "When does a zero balance credit card affect your score? If you have a zero balance because you pay off your credit card every month, it won't affect your credit score. If you have a zero balance because you haven't used your credit card for months, it may affect your credit score"
Credit Card Paid Off? Here's How a $0 Balance Can Affect Your Credit
Pros and Cons of the VantageScore Credit Score
Woman staring at cut up credit card
Fixing a Derogatory Credit on Your Report
Woman holding credit card while looking at smartphone
What Are Credit Criteria?