Our services
Credit help
Fixing credit
Credit industry
Negative items
Understanding credit
Our firm
Sign up
Log in
Home Credit 101 (8)
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

Does checking your credit score lower it?
Credit 101
Does checking your credit score lower it?

Checking your own credit score, which is called a soft inquiry, doesn’t lower it. However, a hard inquiry can impact your score. Read on to learn more.

Moriah Beaver | Attorney

March 20, 2024
What are the different types of credit scores?
Credit 101
What are the different types of credit scores?

Is your credit score different depending on which scoring model you check? Learn about the different types of credit scores, including FICO and VantageScore.

Alexis Peacock | Supervising Attorney

March 15, 2024
Do secured credit cards help build credit?
Credit 101
Do secured credit cards help build credit?

Secured credit cards are excellent tools for building credit and recovering from a steep score decline. Most large banks and credit unions offer secured cards.

Vince R. Mayr

March 05, 2024
What to do after a data breach and how credit monitoring can help
Credit 101
What to do after a data breach and how credit monitoring can help

After you detect a data breach, one of the first things you should do is contact your bank. Changing your login information is also recommended.

Moriah Beaver | Attorney

March 05, 2024
When do companies report to credit bureaus?
Credit 101
When do companies report to credit bureaus?

There isn’t a set-in-stone answer to when companies report to credit bureaus. However, there are a few factors you can use to predict a timeline.

Nature Lewis

March 05, 2024
Why won’t my credit score go up? 10 potential reasons
Credit 101
Why won’t my credit score go up? 10 potential reasons

As you monitor your credit, you may be wondering, “why won’t my credit score go up?” Read to discover 10 reasons your credit score is stuck and how to fix it.

Paola Bergauer

March 05, 2024
How to freeze your credit
Credit 101
How to freeze your credit

A credit freeze limits access to your credit report and can prevent identity theft. Read on to discover how to freeze your credit for free with each bureau.

Moriah Beaver | Attorney

March 05, 2024
Adverse action notice: What it is + next steps
Credit 101
Adverse action notice: What it is + next steps

An adverse action notice explains why a lender denied your credit request. Read on to learn what it includes, how it affects your credit and what next steps you can take.

Brittany Sifontes | Supervising Attorney

March 05, 2024
What’s a good credit score? A guide to credit score ranges
Credit 101
What’s a good credit score? A guide to credit score ranges

The typical credit score range is between 300 and 850, and the range is broken down into poor, fair, good, very good and exceptional scores.

Sarah Raja

February 26, 2024
VantageScore vs. FICO score: How are they different?
Credit 101
VantageScore vs. FICO score: How are they different?

When comparing VantageScore vs. FICO scores, you’ll notice many differences. For example, each model uses slightly different factors to determine scores.

Sarah Raja

February 08, 2024