Credit education, plain and simple.

Between utilization rates and unsecured loans, interest rates and inquires, credit seems more complicated and confusing than ever. Fortunately, we're here to simplify all that credit-speak. So kick back, browse below, and find topic you need to learn more about. You'll come away with more confidence and a clearer understanding.

How long do negative items stay on my report?
Negative credit report items can really damage your perceived creditworthiness. Find out how long negative items stay on your report here.
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Soft vs. Hard Inquiries? What’s the Difference?
Inquiries happen anytime your credit report is requested for an authorized purpose. Here’s the critical difference between soft inquiries and hard inquiries.
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How to Dispute Something on Your TransUnion Credit Report
Creditors may inaccurately report credit information. Here’s how to file a dispute if you believe something doesn’t look right on your TransUnion credit report.
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5 Smart Steps to Manage Debt
Whether you’re looking to avoid taking on too much debt or need to pay yours down, here are 5 smart steps to start taking now.
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How Do I Build Credit When I Don’t Have Credit?
How do you build credit when you don’t have credit? Here are some ways to start building credit.
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Why there are 3 credit bureaus
One of the most common questions we hear concerns the three credit bureaus (Equifax, Experian, and TransUnion). The question is: “Why three?” It’s a good question, and one that invites a few follow-ups, such as “Do they all have the same information? Will my score be the same across the board?
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What do you need to know about the 3 credit bureaus?
You may already know TransUnion, Experian and Equifax are the three national credit bureaus. Simple enough. But knowing more about what they do, what they don’t do and what you can do makes it easier to navigate the credit reporting system—which can save you time, money and aggravation. Here are 3 credit bureau facts you may not know, but should.
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How often should you check your credit reports?
When it comes right down to it, you really do want to find out if something is wrong before it's too late. Identity theft is a great example. If someone is using your personal information—your name, address, credit cards, etc. — you want to find out as soon as possible. Credit Monitoring may not seem like something you need to do but it doesn't take long for someone to open accounts in your name, take out loans, or buy a car. A lot of damage can be done in a short amount of time.
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Is credit monitoring worth it?
One of the most common questions we hear concerns the three credit bureaus (Equifax, Experian, and TransUnion). The question is: “Why three?” It’s a good question, and one that invites a few follow-ups, such as “Do they all have the same information? Will my score be the same across the board?
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Why credit scores are like grades
You may already know TransUnion, Experian and Equifax are the three national credit bureaus. Simple enough. But knowing more about what they do, what they don’t do and what you can do makes it easier to navigate the credit reporting system—which can save you time, money and aggravation. Here are 3 credit bureau facts you may not know, but should.
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What factors affect your credit scores?
One of the most common questions we hear concerns the three credit bureaus (Equifax, Experian, and TransUnion). The question is: “Why three?” It’s a good question, and one that invites a few follow-ups, such as “Do they all have the same information? Will my score be the same across the board?
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Why is a Credit Report Important?
You may already know TransUnion, Experian and Equifax are the three national credit bureaus. Simple enough. But knowing more about what they do, what they don’t do and what you can do makes it easier to navigate the credit reporting system—which can save you time, money and aggravation. Here are 3 credit bureau facts you may not know, but should.
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How to read a credit report
You may already know TransUnion, Experian and Equifax are the three national credit bureaus. Simple enough. But knowing more about what they do, what they don’t do and what you can do makes it easier to navigate the credit reporting system—which can save you time, money and aggravation. Here are 3 credit bureau facts you may not know, but should.
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