Credit Report and Credit Score Articles
It's important to be well educated before applying for credit or making any other major financial decision. In our
education center we well inform you about any aspect of applying for and using credit. We publish new credit card articles
weekly so be sure to check back often.
- 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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