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Credit 101

Credit.com is here to provide you with a practical, real-world credit education. We’ll teach you credit basics: what is a credit report & score, how to shop for credit & how to understand and compare APRs. We’ll also brief you on the type of credit products available and how to evaluate which one is right for you!

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How Can I Tell If I Have a Credit Score?

Credit 101

How to Tell If You Have a Credit Score

Learn more about credit scores, how these ratings are determined and how to find out if you have a credit score. Discover tips for building your credit score.

| March 1, 2023

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What to Do If You Can't Get Your Free Annual Credit Report

Credit 101
What to Do If You Can’t Get Your Free Annual Credit Report
Let’s talk about free credit reports. First of all, the big... Read More

July 7, 2015

Why Do My Credit Limits Affect My Scores?

Credit 101
Why Does My Credit Card Limit Affect My Credit Score?
Occasionally we get questions from readers who have gotten an aut... Read More

July 6, 2015

Credit 101
Help! I Paid Off My Credit Card & My Credit Score Dropped
For years, the standard advice by many experts is that you don’... Read More

June 26, 2015

credit score differences

Credit 101
Here’s Why Applying for a Credit Card Hurts Your Credit Score
If you’ve ever checked your credit score before and after a... Read More

June 25, 2015

4 Smart Habits That Can Help Build Your Credit

Credit 101
3 Smart Habits That Can Help Build Your Credit
When it comes to credit scores, a true quick fix is all too rare.... Read More

June 18, 2015

Money 101: How to Get Your Credit Ready for College

Credit 101
Money 101: How to Get Your Credit Ready for College
For many students, the beginning of your college career is also t... Read More

June 17, 2015