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Home Credit 101 (9)
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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 a credit builder loan?
Credit 101
What is a credit builder loan?

A credit builder loan helps people with limited or poor credit history build credit. Read on to determine if credit builder loans may be right for you.

Alexis Peacock | Supervising Attorney

February 06, 2024
What is a cash advance and how does it work?
Credit 101
What is a cash advance and how does it work?

If you’re wondering “what is a cash advance,” here’s a simple explanation. Cash advances let you borrow funds against your credit limit, often for a fee.

Nature Lewis

February 06, 2024
What is credit mix and how much does it impact credit?
Credit 101
What is credit mix and how much does it impact credit?

Credit mix refers to the different types of credit accounts a person has open at any given time. Managing a range of accounts can improve your credit.

Sarah Raja

February 05, 2024
Does getting denied for a credit card hurt your credit score?
Credit 101
Does getting denied for a credit card hurt your credit score?

Although getting denied on a credit card application doesn’t impact your score, the hard inquiry from applying may temporarily hurt your credit.

Sarah Raja

January 18, 2024
What is a credit limit and which factors affect it?
Credit 101
What is a credit limit and which factors affect it?

A credit limit gauges the amount of money a person can borrow from a financial institution. Many factors can affect your credit limit positively and negatively.

Brittany Sifontes | Supervising Attorney

January 12, 2024
What is a credit utilization ratio? + How to improve it
Credit 101
What is a credit utilization ratio? + How to improve it

Your credit utilization can have a major impact on your credit health. Read on to learn what credit utilization is, how to calculate it and how to improve it.

Nature Lewis

January 08, 2024
What does insufficient credit history mean?
Credit 101
What does insufficient credit history mean?

What does insufficient credit history mean? Read on to discover its implications, why it matters and how to fix bad credit history with good credit habits.

Vince R. Mayr

January 05, 2024
Why did my credit score drop after paying off debt?
Credit 101
Why did my credit score drop after paying off debt?

Your credit score may have dropped after paying off debt due to a decrease in your credit age, a decrease in your credit mix or an increase in your utilization.

Brittany Sifontes | Supervising Attorney

January 05, 2024
Credit freeze vs. credit lock: differences and action steps
Credit 101
Credit freeze vs. credit lock: differences and action steps

Credit freezes and credit locks both help prevent identity theft. Discover their differences, plus actionable steps to take for each option.

Vince R. Mayr

January 02, 2024
Soft vs. hard credit check: Everything you need to know
Credit 101
Soft vs. hard credit check: Everything you need to know

Soft and hard credit checks, while similar, have key differences. Learn how a soft vs. hard credit check impacts your credit and common examples for each.

Nature Lewis

December 20, 2023