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Home Credit 101 (7)
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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

What is credit and why does it matter?
Credit 101
What is credit and why does it matter?

Credit is buying something now and promising to pay for it later. Your credit report shows your payment history and impacts your ability to get new loans.

Vincent R. Mayr | Associate Attorney

April 24, 2024
Credit Risk: Definition + Management
Credit 101
Credit Risk: Definition + Management

Credit risk is how banks and lenders determine whether or not a person qualifies for a loan based on a variety of financial factors. Learn more here.

Vincent R. Mayr | Associate Attorney

April 24, 2024
What is variable APR?
Credit 101
What is variable APR?

Variable APR is when your credit card has an annual percentage rate that may change based on market conditions. A non-variable APR is called a fixed rate.

Paola Bergauer

April 23, 2024
How much does being an authorized user affect your credit?
Credit 101
How much does being an authorized user affect your credit?

How much does being an authorized user affect your credit? Learn how to build credit as an authorized user and maximize the benefits.

Sarah Raja

April 23, 2024
What is available credit and how much should you use?
Credit 101
What is available credit and how much should you use?

Available credit is the money you can borrow without exceeding your credit limit. As the balance on your card increases, your available credit shrinks.

Lexington Law

April 15, 2024
How to increase your credit limit easily
Credit 101
How to increase your credit limit easily

Knowing how to increase your credit limit can help you build your credit and gain access to more funds. Learn more about credit limits here

Lexington Law

April 01, 2024
What is an employment credit check, and what does it reveal?
Credit 101
What is an employment credit check, and what does it reveal?

An employment credit check lets employers view a candidate’s credit reports and history. These checks are legal, though certain states have unique credit laws.

Moriah Beaver | Attorney

March 27, 2024
When should I pay my credit card bill?
Credit 101
When should I pay my credit card bill?

According to FICO®, payment history makes up 35 percent of your credit score. Learn when you should make payments and how to maximize your card’s grace period.

Sarah Raja

March 27, 2024
What is an authorized user on a credit card?
Credit 101
What is an authorized user on a credit card?

An authorized user is someone added to the primary cardholder’s account who has permission to make charges but isn’t liable for payments. Learn more here.

Brittany Sifontes | Supervising Attorney

March 25, 2024
How to build credit in the U.S. as a new immigrant
Credit 101
How to build credit in the U.S. as a new immigrant

You can build credit as a new immigrant in the U.S. by getting a bank account, an SSN or ITIN and a credit card. Get more tips here.

Paola Bergauer

March 20, 2024