Our services
Credit help
Fixing credit
Credit industry
Negative items
Understanding credit
Our firm
Sign up
Log in
Home Credit 101 (5)
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

How to add rent to your credit report: 16 rent-reporting services
Credit 101
How to add rent to your credit report: 16 rent-reporting services

Learning how to add rent to your credit report with a rent-reporting service can help you build credit to boost your score. Read on to see how this works.

Lexington Law

October 21, 2024
How the Fair Credit Billing Act (FCBA) protects consumers
Credit 101
How the Fair Credit Billing Act (FCBA) protects consumers

Read our guide to the Fair Credit Billing Act to learn where it comes from, what situations it covers and how it protects consumers from unfair billing practices.

Lexington Law

October 20, 2024
What is a billing cycle? Definition, length and credit impact 
Credit 101
What is a billing cycle? Definition, length and credit impact 

What is a billing cycle? Definition, length and credit impact

Lexington Law

October 07, 2024
Fraud alert vs. credit freeze: what’s the difference?
Credit 101
Fraud alert vs. credit freeze: what’s the difference?

Find out the difference between a fraud alert and a credit freeze so you can better understand which option might be best for you.

Paola Bergauer

September 23, 2024
7 common FCRA violations and how to remedy them
Credit 101
7 common FCRA violations and how to remedy them

What is a violation of the Fair Credit Reporting Act (FCRA), and how can you remedy it?

Lexington Law

September 23, 2024
Should I take out a personal loan to pay off credit card debt? 
Credit 101
Should I take out a personal loan to pay off credit card debt? 

If you qualify for a lower interest rate, taking out a personal loan to pay off credit card debt is a great way to streamline payoff. Read on to learn more.

Lexington Law

September 09, 2024
What is alternative credit data?
Credit 101
What is alternative credit data?

If you have a nonexistent credit profile or a low credit score, you may benefit from alternative credit data. Learn how you can start using it today.

Lexington Law

August 29, 2024
What is a credit report?
Credit 101
What is a credit report?

A credit report is a collection of information about your credit history. Learn how you can get a copy of yours and why it is important.

Nature Lewis

August 14, 2024
Do you have to file a dispute with all three credit bureaus?
Credit 101
Do you have to file a dispute with all three credit bureaus?

A successful dispute can help raise your credit score. But should you file multiple disputes at once?

Paola Bergauer

August 13, 2024
What happens if you have a bad credit score?: 7 potential side effects
Credit 101
What happens if you have a bad credit score?: 7 potential side effects

Having a bad credit score can lead to higher interest rates and additional costs in other aspects of your life, and it can delay retirement. Learn more here.

Lexington Law

August 05, 2024