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How credit reports work
A credit report is a detailed record of your credit history, serving as a critical tool for lenders, landlords, and others to assess your financial reliability. It influences your ability to secure loans, credit cards, housing, and even employment. Understanding how credit reports work is essential for managing your financial health and ensuring accuracy in the information that shapes your creditworthiness. This article explains the structure, purpose, and management of credit reports, along with practical steps to leverage them effectively in 2025.
Common credit myths debunked
Credit myths can mislead consumers, leading to poor financial decisions. This article debunks common misconceptions about credit scores, reports, and management. Understanding the truth helps you navigate credit confidently.
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1 Earna Credit Cards does not have annual fees paid upfront, instead, to help you manage your finances, you will only need to pay monthly fees included on your monthly statement.
2 Individual cases may vary. Please contact our Support Team if you experience difficulties.
3 Earna reports your payment activity to one or more credit bureaus to help establish your credit history. Credit scores are calculated using complex models that consider multiple factors. Making on-time payments regularly can help improve credit scores, while missed or late payments can lower them. Individual results may vary.
4 Approval is not guaranteed and terms and conditions apply.
5 Refer to Earna Rewards Policy for details on earning cashback. Other terms and conditions may apply, find the complete policy here.
6 Credit limit increases are subject to eligibility and require the account holder’s express consent. Terms and conditions apply.
7 Eligible interest rates may decrease by up to 1% annually for accounts in good standing, subject to a set minimum and other eligibility criteria. Not all rates are eligible. Terms and conditions apply.