Credit Education Home
To better educate yourself on credit.
Help with Credit Repair
- Late Payments
- Bankruptcy
- Divorce
- Charge Offs
- Foreclosure
- Liens and Judgments
- Repossessions
- Identity Theft
Credit Related Questions
- How does it work?
- How much does it cost?
- How long does it take?
- Are payment plans available?
- How can credit be repaired?
- Why is everything to be mailed?
- How do I get updates?
- Who do I contact?
- Require I send the updated reports?
- Do I need a current credit report?
- Does paying bills restore my credit?
Credit Repair Myths
Credit Education
Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, many more types of businesses — including insurance companies and phone companies — are using credit scores to decide whether to approve you for a loan or service and on what terms. Auto and homeowners insurance companies are among the businesses that are using credit scores to help decide if you’d be a good risk for insurance. A higher credit score means you are likely less of a risk, and in turn, means you will be more likely to get credit or insurance — or pay less for it.
Almost every day, you're involved in some type of financial transaction requiring an educated decision. This site has information for you, whether you’re shopping for a mortgage or auto loan, checking the accuracy of your credit report, dealing with debt collectors, or looking for ways to protect your personal financial information.