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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Latest Credit

Auto Insurance
What Is an Auto Insurance Score? Credit November 4, 2019
If you've taken money expert Clark Howard's advice and signed up with Credit Karma to monitor your credit, maybe you've…
Monitor credit
How to Monitor Your Credit Credit October 28, 2019
As sensitive personal information increasingly falls into the hands of criminals due to the failures of cybersecurity, it is more…
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 and haven’t…
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
With the data breaches that are happening left and right, there has never been a more important time to monitor…
820 credit score
Why you don’t need an 800 credit score Credit August 6, 2019
You know that your credit score is an important part of your financial life, but is it worth obsessing over…
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,…
States with the best and worst credit scores
Report: The states with the best and worst credit scores Credit May 29, 2019
Ever wonder how your credit score compares to other U.S. consumers? The average Vantage score stands at 680, according to…
Credit score report
What Is a Good Credit Score? Credit May 9, 2019
Your credit score — that sometimes mysterious number that reflects how responsible you are with your credit — plays a…
Woman with credit card
Secured or traditional: What’s the best kind of credit card to build credit? Credit April 3, 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 2, 2019
If you're looking for an easy way to stay on top of your credit, Credit Karma is a valuable resource.…
Credit Karma vs. Credit Sesame: Is One Better Than the Other?
Credit Karma vs. Credit Sesame: Is One Better Than the Other? Credit January 18, 2019
Credit monitoring services enjoy widespread popularity these days in the wake of numerous data breaches. In addition, if you're in…
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 6, 2018
Applying for a new line of credit has always been a double-edged sword: On the one hand, consumers stand the…
Shoppers increasingly say this is their #1 regret
Shoppers increasingly say this is their #1 regret Shopping & Retail October 25, 2018
Shopping holidays are as American as apple pie and with so many delicious deals these days, it's no wonder. But…
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 22, 2018
The back of your Mastercard is going to look very different beginning in the new year. In April 2019, Mastercard…
What’s going to happen to your Sears credit card?
What’s going to happen to your Sears credit card? Credit October 17, 2018
Despite a generally healthy economy, many retailers are struggling to get people into their stores. Just recently, department store chain Sears filed…
Experian data breach: What we know + how to stay protected
Experian PIN recovery flaw: What we know now Protect Your Rights & Identity October 15, 2018
Editor's note: An earlier version of this story called this a "data breach," when it is actually more of a…
medical debt
Need medical debt relief? New rules may help out Money & Credit October 11, 2018
Is medical debt from surprise medical bills hurting your credit? You've got more options and more time than ever to…
How to freeze your credit with Equifax, Experian and TransUnion
How to Freeze Your Credit With Equifax, Experian and TransUnion Credit September 20, 2018
A credit freeze is one of the most effective ways for you to protect yourself against identity theft and stop…
cutting credit card
Credit card issuers trim benefits: See who’s cutting what Credit August 6, 2018
There's an old Chinese saying, "One day, a thousand autumns" that indicates a pace of rapid change. That saying is…
How to Reach a Human at Experian, TransUnion and Equifax
How to Reach a Human at Experian, TransUnion and Equifax Credit July 11, 2018
With data breaches so prevalent, many consumers have had to familiarize themselves with the three major credit bureaus to freeze…
soft pull vs. hard pull credit report
The difference between a ‘soft pull’ vs. ‘hard pull’ on your credit report Credit July 5, 2018
If you're in the market for a home or new car, you're probably paying attention to your credit score. After…
Retirees relaxing on the beach
Should you take out a loan to pay for a vacation? Travel June 20, 2018
With vacation season underway, you're probably feeling the urge to plan a trip and relax for a few days. But…
Cell phone fraud warning: How to avoid becoming a victim
Cell phone fraud warning: How to avoid becoming a victim Protect Your Identity June 18, 2018
It's safe to say that cell phones have become must-have gadgets for most of us these days. Because criminals know…
Free credit freezes for kids are coming: Here’s what to expect
Free credit freezes for kids are coming: Here’s what to expect Money & Credit June 13, 2018
Embedded in a new law meant to loosen banking regulations is a provision that allows parents or guardians to place…
Credit card interest rate
How does credit card interest work? Money & Credit June 12, 2018
Credit cards are an important financial tool for many people, but if you don't understand how credit card interest works,…
Happy credit card user
5 tips for preventing your credit card rewards from expiring Money & Credit June 5, 2018
Credit card rewards are a very valuable asset and can turn into free or discounted flights, hotel nights, gift cards,…