A Resource Guide to Understanding Credit

The quickest way to overcome your fear of credit is to better understand it.

Credit is not as intimidating after you become well-educated about it.

Learn more about how your credit score is determined, FICO and the three major credit agencies, how credit impacts your auto loan, tools you can use to repair your credit and steps to take to improve your score right here.

What Goes Into a Credit Score?

The 4 C’s of Credit

My Annual Credit Reports: Errors and Disputes

The 5 Biggest Factors That Affect Your Credit Score By Investopedia

Understanding FICO

I’m sure you’ve heard the name, but do you know what it is? The leading credit score formulator is FICO, take a look at these articles to find out the details.

What is a FICO auto score?

What’s In Your Score? By MyFICO

Hard Credit Pull vs. Soft Credit Pull

What are Inquiries and How Do They Affect My FICO Score? By MyFICO

Experian, Equifax and Transunion

Experian vs. TransUnion vs. Equifax: What’s the Difference? By Credit Sesame

What Auto Loan Processes Can be Affected by Your Credit Score?

How Does my Character Affect my Ability to Get a Car Loan?

APR vs. Interest Rate for Car Loans

What is a Loan to Value Ratio?

The Credit Report Change that Can Lower your Interest Rate

Credit Score Tools

Here is the website, authorized by Federal law, offering a free credit report.

My Annual Credit Report

Websites like Bankrate and Credit Karma also offer valuable tools.

How to Raise Your Credit Score

If you still need more time to repair your credit before applying for a better auto loan, here are some great tips and ideas to improve your credit.

5 Ways to Build Good Credit

5 Amazingly Simple Techniques to Optimize Your Credit Score By The Better Credit Blog

How to Improve Your Credit Score By I Will Teach You to be Rich

GET THE CREDIT TIP SHEET

*Links to third party websites are provided for convenience only. The views and opinions expressed are solely those of the author. IFS does not endorse the content. Please use your discretion.

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