Credit Education is the practice of providing consumers with information analyzing their credit behavior. Trained professionals knowledgeable in the analytics of the credit score and how consumer credit behavior affects both positive and negative credit eligibility usually practice credit education. It has become an increasingly practiced discipline due to sweeping increases in the use of the credit score and its affect on the prices consumers pay for loans, insurance, housing and utilities. Not to be confused with credit counseling, credit education does not focus on debt counseling, nor involves the practice of collecting debt from consumers. Credit counseling and credit repair have received negative publicity for its fee and management practices.

The largest suppliers for credit education data are Fair Isaac Corporation, CreditXpert and the three credit bureaus that deliver credit reports and credit scores. Among the largest providers of credit education services is Community Empower who provides consumers hands-on guidance using highly trained local professionals. Credit education has also received attention as a new discipline at the Community College level where new courses on the subject are being taught. Usually aligned with Mortgage Finance programs that teach college undergraduates principles of lending and underwriting, credit education and credit recovery programs are giving students more extensive backgrounds in credit early in their careers.

By educating yourself on how credit works you will be able to take effective steps to increase your credit score.

You will learn what you need to do in order to have a better credit score.

And just as important, you will learn to avoid credit repair scams.