Living With Bad Credit | Credit Education | An educational resource for all of your credit issues

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Understanding Your Credit Report and Score
A credit report contains your entire credit history. Your credit score is used to predict your payment behavior and is an easy way for lenders to decide if they can risk lending you money.

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Want a $6,000 a Year Raise?
People with bad credit pay more in interest than people with good credit. Improve your credit and your interest rates will fall and you'll pay less on your debts, leaving more money in your pocket.

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Credit Card Glossary
Familiarize yourself with the terms and definitions in the Credit Card Glossary.

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Sample Letter and Addresses
Here is a sample letter for disputing information in your credit report. And addresses for all three major credit bureaus.

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Improving Your Credit Score
Your credit score is what lenders use to asses their risk in loaning you money. Follow these easy tips to improve your score.

Credit Card Offers in the Mail
If you do not want to receive credit card offers in the mail there are steps you can take to remove yourself from mailing lists.

Disputing Errors
The first step is to get copies of your credit report from all three major credit bureaus: Experian, Equifax and TransUnion.

Using the Equity on Your Home for a Loan
A home equity loan allows the homeowner to access funds using their house as collateral. There are two types of equity loans: a home equity loan and a home equity line of credit.

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