Announces the First Online Credit Score Learning Center

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Learning Center will includes educational videos hosted by Carrie Coghill, Director of Consumer Education for, a leading online consumer site providing consumers with affordable and unlimited access to all three of their credit scores and their complete credit profile, announced a new online Credit Score Learning Center. The Learning Center includes educational videos hosted by Carrie Coghill, Director of Consumer Education for Each video answers frequently asked questions from consumers about credit scores.

The videos include:

  •     The Difference Between Hard and Soft Credit Inquiries
  •     How Is a Credit Score Calculated?
  •     What Does It Mean to Have 3 Credit Scores?
  •     The Difference Between a Credit Score and Report
  •     How Many Times Can Your Credit Score Change Each Year?
  •     Why Check Your Credit Scores & Reports?
  •     Who Is More Credit-Savvy: Men or Women?
  •     Credit Alerts Can Keep Your Identity Safe
  •     Monitor Both Your Credit Scores & Reports
  •     Conduct a Credit Check-Up 3 Times Per Year or More
  •     Can Bad Credit Cost You a Job?

The Learning Center can be one resource to help close the gap on Americans' knowledge about credit scores and reports.

For example, data from the Third Quarter 2010 Consumer Credit Score Awareness Survey, which polled 1,000 Americans age 18+, showed the following:

  •     Just 31% of the population knew a credit score could change 5+ times a year.
  •     Only 14% of consumers could identify factors that affect their credit score.
  •     Just 26% of women and 31% of men knew the difference between "hard" and "soft" credit inquiries.

According to Carrie Coghill, "Besides these statistics above, just 37% of respondents knew they have three credit scores. Credit scores are increasing with importance so consumers can make a major purchase, get a credit card, or even a job. The Credit Learning Center empowers consumers by providing a centralized location for them to get information about credit. Once consumers understand the issues, they're in a much better position to take control of their credit score."

Users can also e-mail Carrie at with any questions they have that aren't addressed by the articles available in the Learning Center.

About is the leading online consumer credit site, providing consumers with affordable, unlimited access to all three of their credit scores and complete credit profile. Launched in 2009 with an award-winning advertising campaign featuring actor, economist, and lawyer, Ben Stein, has serviced more than 750,000 members. Members have unlimited access to their credit scores from all three bureaus, a complete credit profile, and expert tips, articles, videos and other educational information about credit management. For more information, go to

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*The data for the Third Quarter 2010 Consumer Credit Score Awareness Study were collected through Survey Sampling International in Shelton, Connecticut. Results have a margin of error +/- 5%.

The articles and information available are for educational and reference purposes only. They do not constitute, and should not be construed as, legal or financial advice. Any legal or financial principles discussed here are for general information purposes only and may differ substantially in individual situations and/or in different states or countries. For specific legal or financial advice, please consult a licensed attorney or a financial professional. FreeScore does not control or guarantee the accuracy of any information provided through external links from the articles on this website to any other website, nor does the FreeScore privacy policy apply to any personal information that may be collected via the external links.


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Aaron Berger

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