CREDIT RESOURCES

resources

Does checking your credit score make you nervous? Do you avoid looking at it at all costs?

We want to help. Credit and finances can be overwhelming mainly because there’s a lot of misinformation out there. For instance, did you know that checking your credit score won’t damage your credit? Or that you can actively improve your credit score? Or that you’re entitled to three free, comprehensive copies of your credit report at least once a year?

We’ve put together all of our most helpful articles, completely outlining ways you can build, improve and repair your credit score. We also address those unexpected moments in life that may impact your finances—like dealing with a foreclosure or unemployment—and ways that you can mitigate the damage.

Your credit score has a huge impact on so many areas of your life—it’s time to take back control.

Improving Credit

Despite what some people will tell you, a bad credit score isn’t forever. While some negative items in your credit history can only be removed by time, there are ways you can actively improve your own credit score.

Learn how to improve your credit.

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Credit Reports

Most of us have seen our own credit scores, but few of us have ever looked at our credit report—the information that determines our credit scores and can have a big impact on whether we’re approved for a new line of credit or not. Your credit report is a record of your financial history and details on-time (or missed) loan payments, open accounts and any other relevant public records.

See if you have negative items hurting your credit

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Credit Scores

A credit score is a number that usually ranges between 300 and 850, with 300 being very poor and 850 being excellent. Your credit score is calculated based on your financial history, the age of your credit accounts, how varied your credit accounts are, your credit utilization ratio and any new credit accounts you’ve opened recently. There’s a lot to say about credit scores—how they’re calculated, what they’re used for, who can look at them—but don’t worry, we’ll walk you through it..

Check your credit score for FREE.

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Credit Counseling

You can do as much as you can to protect your credit score and manage your finances, but it’s hard to be completely prepared for any and every emergency. Here are different ways to mitigate serious financial situations, recover from them later on or potentially avoid them altogether.

200,000+ FREE credit consultations provided for our members in 2019.

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