Credit Education
Learn About Credit & Build Your Financial Future
Free resources, guides, and tools to help you understand credit and make informed financial decisions.
Credit Basics
Everything you need to know to get started with credit
What is a Credit Score?
Learn the fundamentals of credit scores and how they're calculated
- • FICO vs VantageScore models
- • Score ranges (300-850)
- • What impacts your score
- • Why credit scores matter
Understanding Credit Reports
Your credit report contains your entire credit history
- • What's on your credit report
- • The three credit bureaus
- • How to read your report
- • Disputing errors
Credit Utilization
How much of your available credit you're using
- • What is credit utilization
- • Optimal utilization ratio
- • How it affects your score
- • Tips to lower utilization
Improve Your Credit Score
Proven strategies to boost your credit score
Quick Wins
Actions you can take today
Pay down credit card balances
High ImpactThis month
Become an authorized user
Medium Impact1-2 weeks
Request a credit limit increase
Medium ImpactToday
Dispute credit report errors
Variable30-45 days
Long-term Strategies
Build credit over time
Always pay bills on time
Very HighOngoing
Keep old credit cards open
High ImpactYears
Maintain low credit utilization
High ImpactOngoing
Diversify credit mix
Low ImpactYears
Free Tools & Calculators
Interactive tools to help you make smart financial decisions
Credit Score Simulator
See how different actions might affect your score
Debt Payoff Calculator
Plan your path to becoming debt-free
Credit Utilization Calculator
Calculate your ideal credit card balance
Comprehensive Guides
In-depth articles on important credit topics
Getting Started15 min read
Complete Guide to Building Credit from Scratch
Step-by-step guide for people with no credit history
Credit Repair12 min read
How to Recover from Bad Credit
Proven strategies to rebuild your credit score
Credit Basics8 min read
Understanding Hard vs Soft Credit Inquiries
Learn the difference and how they affect your score
Credit Cards20 min read
The Ultimate Guide to Credit Cards
Everything you need to know about choosing and using credit cards
Identity Protection10 min read
What to Do If Your Identity is Stolen
Steps to protect yourself and recover from identity theft
Loans12 min read
How Loans Affect Your Credit Score
Understanding the impact of different types of loans