CREDIT » Credit Scores & Reports
Posted in Credit Card Rates
, Credit Scores
In the past money was tight, tough choices had to be made and bills were often neglected for long stretches Read More...
The housing market is calling and you want to get ready to answer. You have already worked on building a Read More...
The Fair Isaac Corporation responsible for developing and implementing FICO scores boldly proclaim “Don’t close unused credit cards as a Read More...
Posted in Credit
, Credit Reports
Your credit report is often viewed by a number of agencies and companies; some of these views are known as Read More...
If you know your credit report contains details that may result in you not being approved for a loan, car Read More...
Posted in Credit
, Credit Reports
While your credit report may divulge a lot of information that you would not like shared with lenders, there is Read More...
Consumers will soon get relief from the current credit crunch in the guise of a $200 billion consumer credit program Read More...
If you feel like you’re in over your head financially, don’t jump to claiming bankruptcy yet. Credit counseling can be Read More...
Posted in Credit
, Credit Scores
If you have a bad credit rating – or think you do – then it’s always a good idea to Read More...
Posted in Credit
, Credit Scores
The FICO score has recently undergone a revised system that is predicted to help some borrowers and hurt others. The Read More...
Free Credit Report
From the time you open your first credit account, the three major credit bureaus – Experian, Equifax, and Transunion -- keep an invisible paper trail of all of your account activity when it comes to credit and loans. Up until recently, many consumers did not know what information was contained in their credit report unless they were turned down for credit, and requested a copy from one of the major credit bureaus.
However, in 2005, the federal Fair Credit Reporting Act (FCRA) mandated that consumers were entitled to one free credit report a year from the three credit bureaus. You can get your free credit report by going to www.annualcreditreport.com, a free website that was set up jointly by the three major credit bureaus.
If you have ever applied for a credit card, mortgage, or auto loan, then you probably know that your credit history, as reflected in your credit report, makes a big difference it the interest rates you qualify for, or whether you qualify at all. Get your free credit report and make sure your credit profile is the best it can be.
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