This section of the website is devoted to explaining how credit and credit scoring works!  This free credit help is is for anyone who might need credit counseling, credit help, or just wants to know more about how their credit report works.

• History of Credit Scores
• FICO Vs FAKO Scores
• The purpose of FICO Scores
• How FICO scores are calculated
• Payment History
• Credit Usage Ratio
• Length of Credit History
• Mix of Credit
• Credit Inquiries