Need help disputing errors on your credit report? Use our easy-to-follow templates and instructions with everything you need to write a credit dispute letter. Read more.

If terms like "grace period," "authorized user" and "variable interest rate" sound like another language to you, you’re not alone. These terms can be confusing to anyone. That's why we put together this A-to-Z guide for you. Read more.

Making your minimum credit card payment on time contributes to a positive payment history. However, your credit score could still be negatively impacted. Read more.

FICO® weighs open accounts more than closed ones, so paying off loans may hurt your credit. However, it will depend on your unique financial situation. Read more.

You don’t receive a credit score until you establish credit history. Then, your score will be unique to you. Learn more about starting credit scores here. Read more.

A utility bill is a monthly statement showing the total balance of a household’s use of an essential service, such as electricity, water, or natural gas. Read more.

VantageScore® and FICO® are both credit scoring models but have some key differences. Read on to learn how the two compare and impact your credit score. Read more.

Ways to rebuild credit include: keeping your credit utilization ratio low, using a secured credit card, and becoming an authorized user. Get started right away. Read more.