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CreditSmart provides clear, objective information to help you understand how credit reporting works. Just pick a topic below so we can point you in the right direction.

Credit Reporting

What is a credit report? Where can I get my free credit report? How can I fix my bad credit? Who reports my payments on my credit report? How often does my credit report change? More questions

Credit Score

What is my credit score? Can you give me my score? My identity was stolen. How do I put a ban on my credit report? How many credit scores do I have? Do credit scores follow me overseas? More questions

Financial Hardship Assistance

How do I get hardship help? What is financial hardship? Will hardship help stop me from getting credit in the future? Is hardship assistance better than missing payments? What loans or bills can I get hardship help with? More questions

While we can’t offer personal, legal or financial advice, we can guide you to helpful resources.

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Credit Reporting

Credit Score

Financial Hardship Assistance

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