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Home Credit 101 (6)
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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
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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

Debt collection scams: How to detect and stop them
Credit 101
Debt collection scams: How to detect and stop them

Debt collection scams occur when bad actors trick people into paying a nonexistent debt. This guide will examine these scams and share a few safety tips.

Sarah Raja

July 08, 2024
Will my credit score drop if I don’t use my cards regularly?
Credit 101
Will my credit score drop if I don’t use my cards regularly?

An inactive credit card can be a good thing, but it can also have unintended consequences that lower your credit score. Learn how to protect your credit.

Nature Lewis

July 03, 2024
How to pay off old debt in 3 steps
Credit 101
How to pay off old debt in 3 steps

If you're thinking about paying off old debt, make sure you come up with a payment strategy first.

Paola Bergauer

July 03, 2024
The best credit monitoring services: What to look for
Credit 101
The best credit monitoring services: What to look for

The best credit monitoring services can offer you identity theft protection as well as tools to help you build your credit. Learn more about them here.

Alexis Peacock | Supervising Attorney

June 24, 2024
How does bankruptcy affect your credit?
Credit 101
How does bankruptcy affect your credit?

Declaring bankruptcy may be the right move for you, but how does it affect your credit score?

Vince R. Mayr

June 22, 2024
Credit monitoring for minors: How to prevent child identity theft
Credit 101
Credit monitoring for minors: How to prevent child identity theft

Credit monitoring for minors can help prevent child identity theft. Read on for fraud prevention tips, plus steps to take if you find false accounts.

Nature Lewis

May 17, 2024
Student loans for bad credit: What to know
Credit 101
Student loans for bad credit: What to know

You can get student loans for bad credit by applying for federal student loans or getting a cosigner for private student loans. Learn more about loans here.

Brittany Sifontes | Supervising Attorney

May 09, 2024
How to add utilities to credit report + 3 alternative ways to build credit
Credit 101
How to add utilities to credit report + 3 alternative ways to build credit

Utilities aren’t usually reported to credit bureaus but can affect credit. Learn how to add utilities to your credit report and other ways to build credit.

Nature Lewis

May 08, 2024
How to build credit as a student + 6 mistakes to avoid
Credit 101
How to build credit as a student + 6 mistakes to avoid

Wondering how to build credit as a student? Focus on starting early and learning good credit habits to set you up for a lifetime of good credit ben

Paola Bergauer

May 07, 2024
Revolving credit vs. installment loans: differences explained
Credit 101
Revolving credit vs. installment loans: differences explained

Revolving credit and installment credit accounts can both help and hurt your credit, depending on how you use them. Learn more about them here.

Alexis Peacock | Supervising Attorney

May 07, 2024