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Credit Report and Credit Score Articles

It's important to be well educated about your credit report and credit score before applying for credit or making any other major financial decision. In our education center we will inform you about any aspect of applying for and using credit reports and finding your credit score. We publish new credit card articles weekly so be sure to check back often.

  • How Business Credit Scores Are Determined
    When you first open your business, your business credit score may be nonexistent. This may require you to open loans with your personal name. However, aside from these initial loans, your personal credit will have nothing to do with your business's credit. In fact, business scores are calculated with different factors.
  • How to Improve Your Business Credit Score
    Your business credit score is built the same way as your personal score. Your business is assigned a number, called a taxpayer identification number, and any lender doing business with you will ask for this number. Then, the lender will report how successful you were at repaying your debt to the major credit agencies, and the agencies will file the reports under your number. If you want to increase your score, try these tips to associate positive debt arrangements with your tax payer ID.
  • Credit Repair Scams: What to Do if You're a Victim
    Credit repair scams abound as more and more people who have taken on debt are desperate to find a way out. The scam is the same over and over again. These "companies" promise to erase your credit and help you start fresh, and all you have to do is pay them a fee. What ends up happening is that you're in a worse position than before once you start dealing with these scam artists, and you're out the money you pay them. Here's what to do if you've been the victim of credit repair scams.
  • What to Do if You're a Victim of Identity Theft
    If you find yourself a victim of identity theft, you can take some steps to minimize the damage and protect yourself against future theft in the process. It's important to react as soon as you discover that a theft has taken place, so that thieves don't have more time than necessary to completely destroy your finances or cause you a lot of problems. Here's what you should do:
  • Sample Credit Dispute Letter
    A credit dispute letter is a tool that you can use to get inaccurate information removed from your credit report. You can ask each of the consumer reporting agencies to delete the record or to modify it in some other way. The departments in charge of handling disputes will conduct an investigation, and either grant or deny your request. Here’s what you need to know about writing a credit dispute letter:
  • How to Recognize Credit Repair Scams
    Learning how to recognize credit repair scams will save you pain and money. The scammers promise to remove negative information from your credit report, so that you can be approved for future credit. They can't deliver on those promises, and the fee you pay to them is lost. The good news is that these scams follow the same patterns, so once you understand how they work, you can avoid them. Here's how they work:
  • Errors on Your Credit Report? Disputing Them in 3 Steps
    Credit report disputing is a fact of life for most consumers. At some point, you may have to deal with a record that is inaccurate or fraudulent. There's a mechanism in place for you to use to dispute credit report errors. Here's what it is:
  • How to Fix Your Credit Score Yourself
    The best way to fix your credit score is to start employing good borrowing practices. First, ensure the credit information on your report is correct. Next, take steps to improve the information present. Finally, avoid steps that can actually damage your credit despite having the appearance of financial benefit.
  • Which Cards Will Not Help Your Credit Score?
    If you are rebuilding your credit, using your credit cards may help your credit score. However, there are some types of credit cards that will have no effect on your score despite costing you interest charges. Stay away from these cards when you are looking to boost your rating.
  • Borrowing that Can Improve Your Credit Score
    Taking loans is one way to improve your credit score. In order for your debts to have this positive impact, you must assure that the loans are high value for your report. Some loans can have the opposite effect and actually damage your score. Consider these tips to find loans that will build your score quickly without costing too much money.
  • Rebuilding Credit after Divorce
    Your credit can be negatively affected by divorce if you suffer a loss of assets or must close a high number of debts at once. For the majority of your marriage, you and your spouse likely spent time building shared assets and shared credit. When this cannot occur any longer due to divorce, you lose the benefit of these efforts. To save your credit, start planning prior to finalizing your divorce, and take steps to immediately identify yourself as a private debt holder no longer associated with your spouse.
  • How Your Spouse's Bad Credit Affects You
    Your spouse has a credit score independent from your score. Even after you are married, you will continue to maintain your own credit score. However, if your spouse's score is lower than yours, it may affect your ability to take on loans as a couple. This can be very damaging when you attempt to secure a mortgage, college loans for your children or personal loans.
  • Rebuilding Credit: How to Check Your Credit Score
    You can check your credit score in a large number of ways. First, it is important to understand that there are three separate for-profit credit agencies. You can check just one score or all three, but they will likely be very similar. As a result, checking just one score will usually be enough. Consider the following options to do so.
  • The 3 Major Credit Bureaus and Why Their Scores Differ
    TransUnion, Equifax and Experian are the three major credit bureaus, and they all have different credit scores for each individual with a credit history. The difference in scoring can be confusing because you may not know which one is going to be considered the most by those who are reviewing your credit reports. The three credit bureaus have developed VantageScore in order to make your credit scores easier to understand, but it’s important to know how and why they score your credit they way they do.
  • Qualities of a Successful Credit Dispute Letter
    Writing a quality credit dispute letter will help you get the results you want to improve your credit score. There are many samples available on the Internet, but you have to ensure that they contain certain elements before you copy and use them. Here are some qualities of a successful credit dispute letter and advice on including them in yours.
  • How Credit Repair Companies Work
    Many credit repair companies offer to fix your credit report errors fast. When you take a close look at their methods, though, you’ll notice that you can do the exact same things on your own for free. Some companies even make you do most of the leg work, which means you don’t really benefit from anything. Here’s what you need to know about how they work so that you can determine whether it’s a service worth paying for.
  • Credit Score Ranges to Avoid
    The credit score ranges you fall into when seeking a loan will determine your ability to get financing and the rates you achieve on your debts. A mid-level score of around 650 will typically place you in a situation where you can secure a loan, but you may face challenges in terms and rates. An individual with a score over 700 will have a greater degree of flexibility. A score below 650 can present problems.
  • Why Too Many Credit Score Inquiries Can Hurt You
    Utilizing too many credit score inquiries can actually end up hurting your credit. Here are a few things to consider about why credit score inquiries can actually lower your score.
  • The Pros and Cons of a Credit Repair Service
    Many people choose to utilize a credit repair service in order to help fix their credit score. While this service can be beneficial in some cases, it also has a few drawbacks that you should know about. Here are some of the pros and cons of using a credit repair service.
  • Starting a Business: The Importance of Credit Score Monitoring
    For a new business credit score monitoring is a “must do” task in order to protect the firm’s ability to borrow at competitive interest rates or to borrow at all. To understand the important of credit score monitoring, a business owner must understand how a business credit profile gets built, what the score means and who looks at it.
  • How Bankruptcy Affects Credit Score
    If you have been struggling with debt, you may have considered declaring bankruptcy and are concerned because you are afraid of the damage a bankruptcy has on your credit score. A bankruptcy will have a serious impact on your score. Depending on how you maintain your credit after declaring bankruptcy, you may be able to bounce back after all.
  • Using Your Business Credit Profile to Get Business Loans
    Your business credit profile could be one of the most valuable things that you have as a business owner. Here are a few things to consider about using your business credit profile to get business loans.
  • Keeping Tabs on Your Business Credit Report
    Your business credit report is the basis for all financing your company will receive in the future. Once you incorporate your business, it begins to establish a credit record just like your individual credit record. In the future, it is this report a lender will view when considering whether to extend your company the credit lines or loans it needs to grow and thrive.
  • Building Business Credit: What is a Paydex Score?
    If you are trying to build business credit, you will need to be aware of what a Paydex score is and what it represents. Here are the basics of the Paydex score.
  • Protecting Your Small Business Credit Profile
    Your business credit profile is one of the most important things that you have as a business owner. Protecting your small business credit profile should be one of your top priorities. Here are a few things to consider when trying to protect your credit profile.
  • How Small Business Debt Can Affect Personal Credit Rating
    If you have small business debt, it is best to place this debt in the name of the business itself. This is only possible when the business is legally incorporated. For many sole proprietors or self-employed individuals, it is not possible to operate a separate business credit account. In this case, a business's debt will affect the individual owner's credit.
  • What's a Good Credit Score to Start a Business With?
    The question of "what's a good credit score" for a business loan has multiple potential answers. These answers depend on the structure of the loan you are seeking. You will need good credit, typically a score of over 700, in order to secure a business loan. From here, though, there is a range of potential scores that will result in a successful loan application.
  • How to Read a Business Credit Report
    A business credit report is similar to an individual credit report, but there are several key aspects to evaluate more closely on a business report. First, it is essential to review the length of credit history for the business. Second, the business's assets and liabilities should weigh heavily on its ultimate financial standing. Third, the expertise of the business owner, as displayed in personal credit and a business plan, will be important factors in deeming the business credit worthy.
  • How to Build a Business Credit Profile
    Building a business credit profile can help your business obtain favorable interest rates from lenders. While shortcuts exists to develop a business credit profile, doing it the right way will pay off in the end.
  • How to Read a Credit Report
    Learning how to read a credit report can help you protect your own credit. Here are the basics of how to read a credit report successfully.
  • Rebuilding Credit in 6 Months
    Many people look at rebuilding credit as a process that takes many years. However, if you take the proper steps, you can start to rebuild your credit within a very short period of time. Here are a few steps that you should take in order to start rebuilding your credit in six months.
  • Your Credit Score and Interest Rates: How They Are Connected
    When it comes to your credit score, interest rates are going to be a closely related topic. Credit scores and interest rates are tied together and you need understand how they work. Here are the basics of how credit scores relate to interest rates.
  • Rebuild Credit the Smart Way: Secured Credit Cards
    There are many different ways to potentially rebuild credit. One of the best methods that you can use is to get a secured credit card. Here are the basics of using a secured credit card to rebuild your credit.
  • The Benefits of Having a Solid Business Credit Rating
    Having a solid business credit rating can help you in a variety of different ways. If you want to be successful in your business, you need to put a priority on developing a good business credit rating. Here are a few of the benefits that you can get by doing so.
  • The Business Credit Scoring Process Demystified
    Many people do not understand how the business credit scoring process works. While it is based upon a complicated financial formula, there are some basic principles that you will need understand. Here are the basics of the business credit scoring process and how it works.
  • How to Take Advantage of a Free Annual Credit Report
    Every individual has the ability to obtain a free annual credit report and use it to their advantage. Here are the basics of how to utilize a free annual credit report.
  • 3 Disadvantages of Having a Low Credit Score
    Having a low credit score can hurt you in a number of different ways. Here are some of the disadvantages of having a low credit score.
  • How a Bankruptcy Affects a Business Credit Card Application
    A business credit card application is used to apply for a credit card that is issued to the business owner in his or her business' name. Getting a business credit card allows small business owners to get loans, make payments and build credit history without putting their personal credit on the line. However, when they apply for a business credit card, their financial history very much matters; though there are ways to work around that.
  • 4 Proven Strategies for Improving Your Business Credit Score
    Improving your business credit score can provide a number of benefits to your business in the long run. You will be able to save money on interest and be approved more easily for financing when you need it. Here are a few proven strategies for improving your business credit score.
  • Getting a Business Credit Card with No Credit History
    The business credit card market is competitive and efficient. That means you can get a business credit card with no credit history, but that you likely will face higher fees, qualifying requirements and interest rates. The following information explains what to expect when looking for a business credit card with no credit history and offers avenues on how to get one.
  • Using a Secured Business Credit Card to Repair Credit
    Using a secured business credit card can be a great way to repair your business credit. Here are the basics of secured business credit cards and how they can help you with your credit.
  • How Personal Credit History Affects Business Credit Card Applications
    When you submit business credit card applications, there are a number of things that credit card companies are going to evaluate. In some cases, your personal credit history can affect a business credit card application. Here are a few things to consider about how your personal credit history will impact business credit card applications.
  • The Basics All Consumers Should Know About Their Credit Report and Credit Score
    Your credit history and your credit score, good or bad will follow you for your entire life. Your credit report will be used to help lenders determine whether or not they will lend you money and what the interest rate and terms of your credit will be. Credit reports today are also being used by a variety of service providers and even employers. Many people do not realize that so many aspects of their life can be affected by their credit history and their credit report.
  • Rebuild Your Credit Score
    Today, more and more people are struggling to make ends meet. People who once were able to live a luxuriously or at least a comfortably are finding that they cannot live up to their previous lifestyle. People all over the country are struggling and many people have found themselves with mounting debt, missed payments and as a result a lower than desirable credit score. If this sounds like you, you are not alone. Low credit scores appear today to be the norm, not the exception. If your score is less than what you would like it to be, there are things you can do to raise it.
  • 4 More Ways to Fix Your Credit Score - Fast
    Last week, we covered some basic strategies to improve your credit score fast: Piggybacking, disputing items on your credit report, and rapid rescoring. Let’s kick off the holiday season with four more ways to get your credit score in tip-top shape, and keep it there.
  • 3 Fast Ways to Improve Your Credit Score
    Credit scores are more important than ever now that lenders have tightened their purse-strings. Experts see signs of improvement on the horizon, but there are plenty of dark days yet ahead. Until the credit crunch eases, you should do everything you can to make sure your credit score will qualify you for the purchases you want to make. Here are three fast ways to improve your credit score, legally and legitimately.
  • Don’t Let an Ex Steal Your Good Credit
    If you share credit card accounts with a spouse, things can get sticky following a divorce. But what if your ex is opening up credit accounts in your name? It’s been known to happen. Here are five simple ways to protect your good credit following a divorce.
  • Credit Checks
    Before the world was introduced to a glorified fish tank full of egotistical housemates, George Orwell described a rather more disturbing phenomenon in his book Nineteen Eighty-Four. The now ominous term “Big Brother” was used to describe an omnipotent being that watched, analysed and controlled every aspect of Oceania.
  • How to Save Your Credit During the Economic Crisis
    The times have changed. How can you keep your credit alive until they change back? Consider this a survival guide for your credit score during the economic crisis.
  • Don't Give Up on Your Credit Score
    If you've got credit card accounts that are scheduled to go into collection, should you pay them off or wait them out? This article takes a look at why it's better to pay what you owe, even if it's late.
  • Businesses Can Check Your Credit Report Without Your Permission
    You probably know that hard inquiries can bring down your credit score. But did you know that businesses can perform hard inquiries without your permission - or even your knowledge? Read on to find out when these inquiries are permissible, and how to deal with them.
  • Disputing Your Credit Score
    If you get your free annual credit report and discover there are some inaccuracies, you will want to dispute the information and work to get it corrected on your credit report. When you dispute the information, you are protected by the Fair Credit Reporting Act which requires that all credit reporting agencies (like Experian, TransUnion, etc) respond with an investigation of your creditors.
  • Top Four Credit History Blunders
    You can’t turn around without someone telling you this or that about the importance of your credit score. Unfortunately, they’re all correct. You credit score has the power to help you get a small loan for your business, or a mortgage for a house, but only if you’ve managed your finances in such a way that your credit score is favorable. So you want to do everything in your power to keep your financial record clean. Many different factors go into your credit score, but these are some of the biggest mistakes you won’t want to take to the bank.
  • Credit Monitoring Services
    Online credit monitoring services provide consumers with a suite of tools that help you to take proactive action in monitoring your credit report, while protecting your credit and identity information. Monitoring services notify you via email and/or wireless telephone instantly of any changes made to your credit report, which can help you identify fraudulent activity faster, and therefore minimize the negative impact it would have on your credit.
  • How to Obtain a Free Credit Report and Check it for Errors
    As a resident of the United States, the three main credit reporting companies in the country are required under law to provide one free credit report (each) to anyone who requests them within any given year. The three large credit reporting companies are Equifax, Experian and TransUnion, and they are strictly monitored by Fair Credit Reporting Act (FCRA) to provide correct and true information.
  • What's in a Credit Report?
    Thanks to a new federal law put into place in September of 2005, everyone is entitled to one free credit report each year. This is so that you can verify that your report does not contain any false information, and so you can see how your credit rates.
  • Rebuilding Your Credit History
    Learn the steps to take to improve your credit rating
  • Your Debt To Income Ratio
    Credit Card Debt Is A Major Factor
  • Understanding Your Credit Score
    Understanding your credit score can help you improve it, which can result in better rates on loans. In this article, you will learn the basics of interpreting your credit score and what actions you can take to improve it.
  • Finding what is on your credit report
    Having knowledge of what is on your credit report is a critical first step in building a good credit history. This article tells you what you should know about your credit report and how to go about getting it.
  • Building your credit history
    It's important to build a strong credit history, even when you're young to ensure you will be approved for future loans and be able to secure the best rate. This article provides tips that well help you efficiently build your credit history.
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