Our services
Credit help
Fixing credit
Credit industry
Negative items
Understanding credit
Our firm
Sign up
Log in
Home Credit 101 (14)
Categories
Credit 101 Credit Cards Credit Repair Finance Life Events Loans News Negative Items
Search icon
Is Your “Clean” Credit Report Actually Hurting You?
Credit 101

Is Your “Clean” Credit Report Actually Hurting You?

A clean credit report doesn’t always mean a higher score. Learn why thin credit files can stall progress and how to build credit without disputes.
Lexington Law
February 11, 2026
Search icon
14 Ways to Show Your Credit Some Love
Credit 101
14 Ways to Show Your Credit Some Love

January 30, 2026
Life After Setbacks — How to Rebuild Credit Confidence
Credit 101
Life After Setbacks — How to Rebuild Credit Confidence

December 11, 2025
How many credit cards should I have?
Credit 101
How many credit cards should I have?

October 13, 2025

All blog posts

What is a “609 dispute letter” and does it work?
Credit 101
What is a “609 dispute letter” and does it work?

A 609 letter is sold as a way to remove marks from your credit report, but there’s no evidence suggesting that it is more effective than other dispute letter templates.

Paola Bergauer

August 24, 2021
Credit card vs. charge card: what’s the difference?
Credit 101
Credit card vs. charge card: what’s the difference?

Did you know that a charge card and a credit card aren’t the same? Find out how they’re different and which one is right for you.

Paola Bergauer

August 24, 2021
Does a business credit card affect your personal credit score?
Credit 101
Does a business credit card affect your personal credit score?

Business credit cards can affect your personal credit score depending on the card and whether your account isn’t in good standing. Learn more about these cards here.

Lexington Law

August 24, 2021
Do I need a consumer statement on my credit report?
Credit 101
Do I need a consumer statement on my credit report?

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.

Alexis Peacock | Supervising Attorney

August 24, 2021
Is it safe to close a credit card with a zero balance?
Credit 101
Is it safe to close a credit card with a zero balance?

Keeping unused credit cards with zero balances open is a smart choice.. However, canceling a credit card might be financially beneficial in some situations.

Moriah Beaver | Attorney

August 24, 2021
How to build business credit with bad personal credit
Credit 101
How to build business credit with bad personal credit

Learn strategies for building business credit with bad personal credit. Separate your personal and business credit to secure better financing.

Lexington Law

August 24, 2021
Does breaking a lease hurt your credit?
Credit 101
Does breaking a lease hurt your credit?

Breaking a lease doesn’t show up on a credit report, but it can affect your credit in other ways. Learn how to break a lease without hurting your credit.

Nature Lewis

August 24, 2021
Does a PayPal credit card affect my credit score?
Credit 101
Does a PayPal credit card affect my credit score?

PayPal Credit may affect your credit score in good and bad ways, depending on how responsible you are with it. Read on to learn more about the PayPal credit card.

Moriah Beaver | Attorney

August 24, 2021
How to build credit at 18: best tips for young adults
Credit 101
How to build credit at 18: best tips for young adults

Learning how to build credit at 18 can pay off later. We’ll explore options like credit builder loans and becoming an authorized user on an open account.

Brittany Sifontes | Supervising Attorney

August 24, 2021
How to build credit for a business in 10 steps
Credit 101
How to build credit for a business in 10 steps

You can build credit for your business that’s separate from your personal credit. These 10 steps can help qualify businesses for great loans and offers.

Lexington Law

August 24, 2021