Credit Education
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Practical guides on credit scores, disputes, debt, and consumer rights. Written in plain English.
Does Closing a Credit Card Hurt Your Credit
Sometimes yes, sometimes barely at all. It depends on two things: how much of your credit limit that card holds and how old it is.
How Much Credit Utilization Is Too High
The 30% rule you have heard about is a floor, not a ceiling. Here is what the numbers actually do to your score.
Why Your Credit Score Dropped Suddenly
A sudden drop almost always has one cause. Here is how to figure out which one hit you and what to do about it.
What Debt Collectors Hope You Do Not Know
Collectors bank on you not knowing your rights. Here is what the law actually says and how to use it.
What Proof Helps Win a Credit Dispute
You can file a dispute with zero documents. But the right proof can be the difference between a deleted item and a verified-and-left-unchanged response.
How to Raise Your Credit Score by 100 Points
A 100-point gain is not a pipe dream. Here is exactly what to do, in the right order, to make it happen.
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Identity Theft
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Credit Utilization Tool
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Debt-to-Income Calculator
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Common Questions — Quick Answers