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At Credit.com, we believe credit can be a positive force in every
aspect of your life. To put this power to work for you, however,
it's essential that you understand your own credit — and what
your credit information says to past and future lenders, insurers,
and employers.
If you've ever applied for a job, rented an apartment, bought or
leased a car, opened a bank account, or been issued a credit card,
you've participated in the world of credit. Credit 101 is a series
of articles covering the fundamentals of credit. Its objective is
to help you get the most out of this essential force in your life.
The fact is that each of us has a relationship — good or bad
— with our credit. These articles' aim is to assist you in
improving that relationship — and, in the end, making credit
your valued friend.
Our introductory article addresses three questions — basic,
but still mysterious to many of us:
- What is a credit report and what does it include?
- What is a credit score and how is it used?
- Who decides what goes in, and who gets to see it?
We've also assembled a comprehensive, up-to-date knowledge base
with articles on credit and debt, laws and regulations, debt counseling
and consolidation, identity theft, and a host of related topics.
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