Credit Report

Check Your Credit Report

April 4, 2011

Today is April 4, leaving just 11 days until tax day 2011. And while your financial mind may be on other things at this point, tax day can serve as another reminder that if you haven’t checked your credit report lately, you need to do it. If you haven’t checked your credit report yet for [...]

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My Credit Score and Report

January 17, 2011

The beginning of a new year is a good time to evaluate your credit score, your credit report and your finances in general. You can receive a free copy of your credit report to check for errors and mistakes and to see how you’re doing. Go to annualcreditreport.com Now you can also receive a free [...]

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Negative Credit Reporting Has A Specified Statute Of Limitations

November 26, 2010

Negative credit must be removed from your credit report within a specified time period due to provisions within the Fair Credit Reporting Act or the FCRA that was enacted into law back in 1970. This law came about in order to protect consumers from unfair credit reporting. The majority of credit reports contain some types [...]

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Your Credit Score And the 3 in 1 Credit Report

November 5, 2010

All of the three major credit bureaus issue their own credit report. If you want a summary of all of the reports combined you can get a 3 in 1 report. The 3 in 1 report comprises the financial history of an individual or a group in order to “report their credit-worthiness”. It is an [...]

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The Statute Of Limitations Regarding Negative Credit Reporting

October 28, 2010

Back in 1970 the Fair Credit Reporting Act or the FCRA was put into law in order to protect consumers from unfair and fraudulent credit reporting. Among the provisions of the law were some distinct limitations on how long negative credit can be reported. If you have mistakes and inaccuracies showing on your report, you [...]

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Three Unexpected Benefits Of Credit Repair

September 3, 2010

Most folks realize how crucial it is to have a clean credit report and a high credit score when they try to get a loan for a house or an automobile. Lenders take the credit information very seriously and they can charge a higher interest rate or even deny credit altogether based on the information [...]

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Who Can See Your Credit Report?

August 25, 2010

With or without permission? Did you know that a collection company who is trying to collect a debt from you can access your credit report without your permission? They do it to try to get accurate information about you, like your current address. Potential employers can also access your credit report, in most states anyway. [...]

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Never Pay Upfront For Credit Repair

August 10, 2010

The Credit Repair Organizations Act prohibits a credit repair organization to charge a consumer upfront before any work has been done. This does not imply that success has to be reached but rather that some effort must be put forth prior to the consumer being charged. If a credit repair organization asks for money upfront [...]

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Credit Rating Agencies

August 5, 2010

TransUnion, Equifax and Experian are the big three credit rating agencies in the United States. Each have their own credit report, their own credit scores and their own records. They all collect the information on you and your history. Their profits come from sharing that information with banks, mortgage lenders, potential landlords and even sometimes [...]

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Can Your Credit Be Too Good?

July 26, 2010

Probably not if you look at it from a personal perspective. Good credit offers you peace of mind, security and more but…. Your credit can be too good to get a credit card these days. Card issuers have counted on profits for years from penalty fees and high interest rates paid by the consumers who [...]

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