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Free Credit Score & Credit Card Guides

Plain-English guides written by certified financial writers. No jargon — just useful information.

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Most Popular Guide

How to Raise Your Credit Score by 100 Points

A realistic step-by-step plan. Dispute errors, pay down utilization, set up autopay, become an authorized user — done right, this works in 6 months.

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Typical reader score progression over 6 months

Month 1 — 580Starting
Month 3 — 645+65 pts
Month 5 — 672+92 pts
Month 6 — 690+110 pts

Illustrative. Individual results will vary.

Credit Score Basics
📊
Beginner
How Your FICO Score Is Calculated
The 5 factors, how they're weighted, and what moves your score most.
8 min read →
🆓
Beginner
How to Get Your Free Credit Report
All 3 bureaus free — step by step. No card required.
5 min read →
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Intermediate
Credit Utilization: The Fastest Way to Raise Your Score
Paying down balances can add 20–50 points in one billing cycle.
7 min read →
Building & Fixing Credit
🌱
Beginner
How to Build Credit From Scratch
Zero to good credit in 12–18 months. Step-by-step plan.
10 min read →
🔧
Intermediate
How to Fix Bad Credit
Dispute errors, pay down debt, rebuild — free, no company needed.
11 min read →
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Intermediate
How to Go From 580 to 700 in 6 Months
Month-by-month plan to move from fair to good credit.
12 min read →