by CI Staff
Credit.com provides consumers with educational resources and information on credit products and services. The site offers a free credit report card and allows you to compare credit cards and loans according to your individual credit score. The website also provides a section that helps you with the process of obtaining personal, student and home loans.
A free credit report card is offered if you sign up at the site. The credit report card is given to you after you sign up and answer a few questions. In addition, it provides you with grades based on your payment history, debt usage, credit age, account mix and inquiries. It also provides a range in which your credit score most likely falls. However, it does not provide your credit score. You can order your full credit history for free, but there is usually a cost to obtain your credit score.
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The report will also suggest ways to raise your credit score based on areas in which you are currently weak.
The website allows you to compare credit cards based on your credit score and based on various categories. The categories offered include prepaid cards, secured cards, student cards, rewards cards, no annual fee cards, low interest cards and business cards. If you click on a credit score range or category, Credit.com provides a ranking of the best cards for the category along with a summary of the features it offers. A comprehensive page of card benefits and fees is also provided for each card, as well as a link to the credit card company’s home page.
At the top menu at Credit.com, the rightmost tab provides a link to the News and Advice section. There are posts written by Credit.com staff and outside contributors. All the articles have to do with debt- and credit-related issues. In addition, posts, articles and other educational resources are all sorted by topic.
Credit.com is provided free of charge, but it provides links to several websites that provide additional services, such as exact credit scores, for a fee.