Your Credit

Your credit impacts several aspects of your finances: Interest rates on loans, insurance premiums and even employment. From protecting your information to improving your credit score, Team Clark has the resources you need to live a financially healthy life.

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Ask Clark money column
Does a Credit Increase Request Create a Hard Pull on Your Credit Score? Credit June 14, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. Does Asking for a…
What Credit Score Do You Need To Buy a Car?
What Credit Score Do You Need To Buy a Car? Credit June 11, 2021
Buying a car is a big decision, and if possible, it’s better to pay in cash. But for many people,…
Ask Clark money column
How Can I Remove Myself From My Parents’ Credit Cards Without Hurting My Credit Limit? Credit May 17, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. If I Remove Myself…
Ask Clark money column
My Credit Score Dropped 47 Points Due to a Reporting Mistake by My Lender. How Do I Get the Points Back? Credit May 5, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, by money expert Clark Howard. My Lender Sank My…
What Is the Highest Credit Score?
What Is the Highest Credit Score? Credit April 30, 2021
A high credit score is a great thing to have. But what is the highest credit score, and is reaching…
Ask Clark money column
Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? Credit April 26, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. I Have My Credit…
free weekly credit reports
Deadline Extended: Check Your Credit Report Every Week for Free Credit March 10, 2021
The three major credit bureaus have extended the period they're providing access to your credit reports for free. Equifax, Experian…
Average credit score
The Average Credit Score in America Is … Credit January 12, 2021
Although the U.S. economy has suffered due to the COVID-19 pandemic, many consumers have been able to improve a major…
How to Build Credit
How to Build Credit Credit January 6, 2021
Having a good credit score is vital for many reasons. A good credit score can help you get approved for…
Amex Score Goals is a new credit score simulator from American Express.
Amex Score Goals: How the American Express Credit Score Simulator Works Credit August 21, 2020
Are you looking for a way to improve your credit score? American Express has a new credit score simulator that…
The 3 main credit bureaus are Equifax, Experian and TransUnion
What Are the 3 Main Credit Bureaus & How Do They Work? Credit August 4, 2020
The three major credit bureaus — Equifax, Experian and TransUnion — play a key role in your financial life. But…
SageStream credit score
What Is a SageStream Score? 5 Things to Know Credit July 28, 2020
If you’re applying for a loan, you can expect the lender to check your credit with the three major credit…
Checking credit score
Why Did My Credit Score Drop? Credit June 17, 2020
You probably know that your credit score can drop if you don’t use credit responsibly. But there are also some…
Credit Karma homescreen
How to Sign Up for Credit Karma’s Free Monitoring Service Credit June 5, 2020
Whether you already have excellent credit or are trying to build it, protecting your credit is important. Money expert Clark…
Credit Score Dropping
How to Keep Student Loan Forbearance From Hurting Your Credit Credit May 29, 2020
The federal CARES Act was passed in March 2020 and extended in January 2021 to help people who have suffered…
The PayPal Cashback Mastercard offers 2% cash back on all purchases.
PayPal Cashback Mastercard® Review: Unlimited 2% Cash Back Credit Card Credit April 29, 2020
If you're in the market for a cash back credit card, online payment giant PayPal has thrown a contender worth…
Credit score - adding up the FICO score
7 Ways to Keep Your Credit Score Healthy During a Crisis Credit April 1, 2020
Maintaining a good credit score can be especially difficult during times of financial uncertainty. But there are steps you can…
Dispute Error on Credit Report
How to Dispute an Error on Your Credit Report and Win Credit March 10, 2020
Your credit report and credit score are vital parts of your financial health. Using credit responsibly means you can get…
Where To Get Free Credit Scores
5 Ways To Get Your Free Credit Score Credit February 5, 2020
Your credit score is important: It's one of the main factors lenders consider to determine your creditworthiness. There are multiple…
Credit Sesame
Credit Sesame Review: Free Credit Scores and Other Helpful Financial Tools Credit December 23, 2019
Credit Sesame is a website and app that promises free access to your credit score any time you want it.…
Credit Karma
Credit Karma Review: Free Credit Score and More at Your Fingertips Credit December 10, 2019
Credit Karma is a website and app where the primary feature is free access to your credit score any time…
Monitor credit
How To Monitor Your Credit Credit October 28, 2019
Way too many of us have a story about our credit card getting hacked or about being a victim of…
Credit report application
How to Get a Free Credit Report Credit October 9, 2019
Staying on top of your credit report is key to making sure you stay in good financial shape. It's also…
Credit score drop
Why Did My Credit Score Drop When I Paid Off a Loan? Credit September 20, 2019
Someone finally pays off a car loan or even a mortgage and how are they rewarded? By seeing a drop…
Credit score monitoring
Why you don’t need to pay for MyFICO to monitor your credit Credit September 3, 2019
You probably know that maintaining a good credit score and clean credit reports are key to your overall financial well-being.…
Credit monitoring
Should You Pay for Credit Monitoring? Credit August 9, 2019
Monitoring your credit is important to make sure that no one has stolen your identity or has opened an unauthorized…
820 credit score
Why You Don’t Need an 800 Credit Score Credit August 6, 2019
Your credit score is an important part of your financial life, but is it worth obsessing over obtaining a perfect…
Credit freeze
Can Freezing Your Credit Hurt Your Credit Score? Credit June 6, 2019
Anyone who follows money expert Clark Howard knows that his number one suggestion for keeping your finances safe from criminals…
Do 'pay for delete' letters work?
Do ‘Pay for Delete’ Letters Work To Clean Up Your Credit Report? Credit June 6, 2019
Consumers with subpar credit scores and derogatory marks on their credit reports are often encouraged to reach out to their…
Credit score report - Why you need to check your credit report every year
Why You Need to Check Your Credit Report Every Year Credit May 31, 2019
As a consumer, your credit score should be very important to you. Not only does it determine your borrowing power,…