Your credit score may have dropped after paying off debt due to a decrease in your credit age, a decrease in your credit mix or an increase in your utilization.

Credit freezes and credit locks both help prevent identity theft. Discover their differences, plus actionable steps to take for each option.

Soft and hard credit checks, while similar, have key differences. Learn how a soft vs. hard credit check impacts your credit and common examples for each.

A consumer statement on your credit report is a voluntary 100-word or 475-character statement that gives context to negative items. Learn more here.