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.

Essentials

Tips & Strategies

Latest Credit

Ask Clark money column
How Can I Remove Myself From My Parents’ Credit Cards Without Hurting My Credit Limit? Credit May 17th, 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 5th, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, by money expert Clark Howard. My Lender Sank My…
Ask Clark money column
Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? Credit April 26th, 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 10th, 2021
The three major credit bureaus have extended the period they're providing access to your credit reports for free. Equifax, Experian…
Couple looking at finances
How To Spring Clean Your Credit in 5 Easy Steps Credit February 4th, 2021
I totally love spring. There’s just something in the air that makes you feel like it’s time to clean the…
Credit Score Dropping
How to Keep Student Loan Forbearance From Hurting Your Credit Credit January 21st, 2021
The federal CARES Act was passed in March 2020 and extended in January 2021 to help people who have suffered…
Average credit score
The Average Credit Score in America Is … Credit January 12th, 2021
Although the U.S. economy has suffered due to the COVID-19 pandemic, many consumers have been able to improve a major…
Do 'pay for delete' letters work?
Do ‘Pay for Delete’ Letters Work To Clean Up Your Credit Report? Credit January 4th, 2021
Consumers with subpar credit scores and derogatory marks on their credit reports are often encouraged to reach out to their…
frozen credit card
How to Freeze Your Credit — Literally! Budgeting & Saving January 2nd, 2021
You may have heard of freezing your credit, but have you ever heard of freezing your credit card? If you're…
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 21st, 2020
Are you looking for a way to improve your credit score? American Express has a new credit score simulator that…
Credit score - adding up the FICO score
7 Ways to Keep Your Credit Score Healthy During a Crisis Credit August 19th, 2020
Maintaining a good credit score can be especially difficult during times of financial uncertainty. But there are steps you can…
The 3 main credit bureaus are Equifax, Experian and TransUnion
What Are the 3 Main Credit Bureaus & How Do They Work? Credit August 4th, 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 28th, 2020
If you’re applying for a loan, you can expect the lender to check your credit with the three major credit…
Credit Karma homescreen
How to Sign Up for Credit Karma’s Free Monitoring Service Credit June 5th, 2020
Whether you already have excellent credit or are trying to build it, protecting your credit is important. Money expert Clark…
Credit Sesame
Credit Sesame Review: Free Credit Scores and Other Helpful Financial Tools Credit December 23rd, 2019
Credit Sesame is a website and app that promises free access to your credit score any time you want it.…
Credit Karma homescreen
How to Sign Up for Credit Karma’s Free Monitoring Service Credit December 13th, 2019
Whether you already have excellent credit or are trying to build it, protecting your credit is important. Money expert Clark…
Credit score drop
Why Did My Credit Score Drop When I Paid Off a Loan? Credit September 20th, 2019
Someone finally pays off a car loan or even a mortgage and how are they rewarded? By seeing a drop…
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 31st, 2019
As a consumer, your credit score should be very important to you. Not only does it determine your borrowing power,…
States with the best and worst credit scores
Report: The states with the best and worst credit scores Credit May 29th, 2019
Ever wonder how your credit score compares to other U.S. consumers? The average Vantage score stands at 680, according to…
Woman with credit card
Secured or traditional: What’s the best kind of credit card to build credit? Credit April 8th, 2019
Whether you're trying to build credit for the first time or climbing your way back after defaulting on a loan,…
Is Credit Karma Safe?
Is Credit Karma Safe? Credit April 2nd, 2019
If you're looking for an easy way to stay on top of your credit, Credit Karma is a valuable resource.…
Warehouse club rewards credit cards: Who is king of the hill?
Warehouse club rewards credit cards: Who is king of the hill? Money & Credit November 13th, 2018
If you're a warehouse club member, you're used to getting great value for every purchase you make in your favorite…
New Credit Karma program pre-approves borrowers without it affecting their credit
New Credit Karma program pre-approves borrowers without dinging their credit Money & Credit November 6th, 2018
Applying for a new line of credit has always been a double-edged sword: On the one hand, consumers stand the…
What’s going to happen to your Sears credit card?
What’s going to happen to your Sears credit card? Credit October 22nd, 2018
Despite a generally healthy economy, many retailers are struggling to get people into their stores. Just recently, department store chain Sears filed…
mastercard logo on credit card - New Mastercard free trial rules stop automatic charges when deal expires
Why your Mastercard could look different in 2019 Money & Credit October 22nd, 2018
The back of your Mastercard is going to look very different beginning in the new year. In April 2019, Mastercard…
The one and only reason to have a ‘piece of trash’ debit card
The one and only reason to have a ‘piece of trash’ debit card Money & Credit October 16th, 2018
Pushed by the banks for years, debit cards have become a popular way to pay for everything from gas to…
Experian data breach: What we know + how to stay protected
Experian PIN recovery flaw: What we know now Protect Your Rights & Identity October 15th, 2018
Editor's note: An earlier version of this story called this a "data breach," when it is actually more of a…
A new option for free credit monitoring
A new option for free credit monitoring Money & Credit October 11th, 2018
Whether it's by an internal employee or an outside hacker, it's usually just a matter of time before one of…
Credit Cards
What is a ‘good’ credit card? Credit October 10th, 2018
Asking the question, “What is a good credit card?” is kind of like asking “What is a good car?” as…
Cell phone fraud warning: How to avoid becoming a victim
Cell phone fraud warning: How to avoid becoming a victim Protect Your Identity September 11th, 2018
It's safe to say that cell phones have become must-have gadgets for most of us these days. Because criminals know…