Learn what a credit history is, how it affects your credit score and report, and tips for improving it. Unlock better loan rates by mastering your credit history.

After the shock of losing her job, Lisa Hill-Green of Richmond, Va., struggled to pay her bills. In an effort to bring down her costs, she went to her mortgage lender for a loan modification. But then ...

In a significant move toward enhancing consumer financial health, AnnualCreditReport.com, the centralized platform for free credit reports, has expanded its services to allow individuals to access ...

Staying on top of all your bills can be difficult and sometimes you’ll have to miss a bill to prioritize other necessities. The good news — missing a payment by a couple of days or weeks won’t hurt ...

If deleting and reporting scam texts and phone calls has become part of your daily routine, there's another simple way to protect yourself from fraud -- and it may be more effective. Placing a fraud ...

If you see an account in collections on your credit report, it's understandable to feel stressed. Collections, even when paid, can potentially lower your credit score and impact your approval odds for ...

Your credit reports can contain a wealth of information about you and your history with loans, credit cards and collection accounts. They’re also the basis for your credit scores and various ...

A hard inquiry occurs when you apply for a credit card, a mortgage or another type of loan. Hard inquiries can reduce your credit score anywhere from zero to five points, depending on the details in ...

Errors and negative information on your credit reports can lower your credit scores. Cleaning up your credit report may help ...

The Consumer Financial Protection Bureau announced Tuesday that it's giving millions of Americans a fresh start by removing medical debt from their credit reports. The agency says that some 15 million ...

NEW YORK, NEW YORK - MARCH 07: United States Secretary of Education Linda McMahon visits "Fox & Friends" at Fox News Channel Studios on March 07, 2025 in New York City. McMahon announced the ...