Free Credit Information, Articles and Material | FICO scoring, Credit Repair, Bankruptcy

Understanding Credit Score
Your Credit Score Demystified
This article discusses credit score range, the credit score breakdown and formula, and the impact on your FICO by paying off debt early, closing credit card accounts, and all the common myths about your FICO score.
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30 Reasons Why Your Credit Score is Low
This article summarizes the 30 reasons that impact your Score.
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The Cost of Bad Credit
This article shows a breakdown of interest paid on different FICO score ranges, which shows why bad credit cost more.
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Inside Your Credit Report
Learn what information is in your credit report, and how mistakes can be made.
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What is Good Credit?
Learn about the credit scoring breakdown of good credit versus bad credit.
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What's In Your FICO Score?
Ever wonder what exactly goes into making up your FICO score? There are five basic categories and several factors within those that account for your credit rating.
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Improving Your Credit Score
Disputing Credit Report Errors
Your credit report is vital to your ability to obtain a loan, finance a car, or even get a job. Credit reports are frequently riddled with errors that can be damaging to your overall credit score. This article will tell you how the right way to dispute it.
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How to Improve Your FICO
There are five categories that make up your FICO score. Here are some tips on how to improve your score in each category, resulting in a better score overall.
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Six Tips to Improve Credit Scores
Six ways to take action in building good credit.
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Facts About Credit Inquiries
You should be aware that not every inquiry on your report affects your FICO, or credit, score. Learning which types of inquiries affect your score, and which ones don't, can help you understand and manage your score.
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Judgment Strategies
This article discusses the items to consider in a judgment as well as steps to take to reduce your balance owed, arrange a new payment plan, and to avoid a judgment.
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Bankruptcy
Coming Back After Bankruptcy
After filing for bankruptcy, many people feel they will never be able to have credit again. This is simply not true. You can come back from bankruptcy and establish new credit, even when your bankruptcy is still listed on your record.
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Working Smarter with Credit
Divorce and Credit
How will divorce affect your credit? It is imperative that you understand the different types of credit accounts attached to your marriage, and what divorce can mean for those accounts and your credit. This article discuss steps to take.
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Top Ten Dos and Don'ts During the Loan Process
Knowing what you should and shouldn't do can affect the terms of your loan. It is always best to be as educated as possible about the loan process to ensure you are getting the best deal for you.
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