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How many credit cards should I have?
Credit 101

How many credit cards should I have?

How many credit cards should you have? The answer depends on your unique circumstances. Read on to learn more about how many credit cards is too many.
Lexington Law
October 13, 2025
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20 credit myths you shouldn’t fall for
Credit 101
20 credit myths you shouldn’t fall for

October 06, 2025
What is the best way to pay off debt?
Credit 101
What is the best way to pay off debt?

June 30, 2025
What is a good credit score and how can you get one?
Credit 101
What is a good credit score and how can you get one?

June 15, 2025

All blog posts

What is an authorized user on a credit card?
Credit 101
What is an authorized user on a credit card?

An authorized user is someone added to the primary cardholder’s account who has permission to make charges but isn’t liable for payments. Learn more here.

Brittany Sifontes | Supervising Attorney

March 25, 2024
How to build credit in the U.S. as a new immigrant
Credit 101
How to build credit in the U.S. as a new immigrant

You can build credit as a new immigrant in the U.S. by getting a bank account, an SSN or ITIN and a credit card. Get more tips here.

Paola Bergauer

March 20, 2024
Does checking your credit score lower it?
Credit 101
Does checking your credit score lower it?

Checking your own credit score, which is called a soft inquiry, doesn’t lower it. However, a hard inquiry can impact your score. Read on to learn more.

moriah-beaver

March 20, 2024
What are the different types of credit scores?
Credit 101
What are the different types of credit scores?

Is your credit score different depending on which scoring model you check? Learn about the different types of credit scores, including FICO and VantageScore.

Alexis Peacock | Supervising Attorney

March 15, 2024
Do secured credit cards help build credit?
Credit 101
Do secured credit cards help build credit?

Secured credit cards are excellent tools for building credit and recovering from a steep score decline. Most large banks and credit unions offer secured cards.

Vince R. Mayr

March 05, 2024
What to do after a data breach and how credit monitoring can help
Credit 101
What to do after a data breach and how credit monitoring can help

After you detect a data breach, one of the first things you should do is contact your bank. Changing your login information is also recommended.

moriah-beaver

March 05, 2024
When do companies report to credit bureaus?
Credit 101
When do companies report to credit bureaus?

There isn’t a set-in-stone answer to when companies report to credit bureaus. However, there are a few factors you can use to predict a timeline.

Nature Lewis

March 05, 2024
Why won’t my credit score go up? 10 potential reasons
Credit 101
Why won’t my credit score go up? 10 potential reasons

As you monitor your credit, you may be wondering, “why won’t my credit score go up?” Read to discover 10 reasons your credit score is stuck and how to fix it.

Paola Bergauer

March 05, 2024
How to freeze your credit
Credit 101
How to freeze your credit

A credit freeze limits access to your credit report and can prevent identity theft. Read on to discover how to freeze your credit for free with each bureau.

moriah-beaver

March 05, 2024
Adverse action notice: What it is + next steps
Credit 101
Adverse action notice: What it is + next steps

An adverse action notice explains why a lender denied your credit request. Read on to learn what it includes, how it affects your credit and what next steps you can take.

Brittany Sifontes | Supervising Attorney

March 05, 2024