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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 important force in your life.
The fact is that each of us has a relationship — good or bad
— with our credit. These articles aim to assist you in improving
that relationship — and, in the end, make credit your valued
friend.
Our introductory article addresses three basic but still mysterious
questions:
- 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, debt, laws, regulations, debt counseling,
consolidation, identity theft, and a host of related topics.
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