Tag Archives: Credit Score

Which Credit Bureau Should I Use To Check My Credit Report?

Beth Pardue asked: There are three main credit bureaus in the United States; Equifax, Experian and Trans Union. Each bureau collects your personal and financial information which is then sold to lenders such as banks, credit unions, credit card companies, … Continue reading

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What Role Does My Credit Report Play in Terms of Obtaining a Mortgage?

Daren Ross asked: Banks, mortgage bankers and other mortgage lenders offering conventional mortgage programs consider a prospective borrower’s credit report among the more important factors in approving the prospective borrower for a specific mortgage program. The credit report shows the … Continue reading

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How to Get a Free FICO Score Credit Report Online

Zach Ford asked: Your credit score, commonly referred to as a FICO score, is a numerical representation of your current and past financial tendencies. Essentially this score is used to show potential lenders exactly how likely you are to make … Continue reading

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Removing a Bankruptcy from Your Credit Report

Chane Steiner asked: A bankruptcy can have a devastating effect on your credit score. A bankruptcy listing on your credit reports to many lenders is the only thing they need to see to determine you are completely unworthy of credit.Many … Continue reading

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How Can I Get A Copy Of My Credit Report?

Ann Born asked: With the FTC, you or anyone you know can answer the question “How can I get a copy of my credit report”. No matter where you live, whether in New York or Los Angeles, you will have … Continue reading

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What do I do if something is reporting twice on my credit report?

princess_tink7 asked: I have a student loan that is reporting twice on my credit report for the same amount adding up to twice the debt. This is effecting my credit score as well as my ability to get a job … Continue reading

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how can i get a credit report with a maurices card?

kameetcha♥ asked: i’ve gone to a couple credit report sites to get my credit score using my maurices credit card, but it says the number isn’t correct. apparently its too short or something. its the only credit card i have … Continue reading

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Smart Tactics to Fix Credit Report Mistakes Faster

Chintamani Abhyankar asked: Many surveys have shown that 25 per cent of the credit reports contain serious mistakes at any point of time. These mistakes lower your credit score by about 50 points or more and they dampen your chances … Continue reading

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Simplest Ways to Improve Your Credit Scores Today

Maria Faith asked: Dreaming big during the economic recession is not a sin. You could still get the house you have always wanted or the car you have been dreaming about despite the current weakness of the economy. However, if … Continue reading

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My Credit Report

Beth Pardue asked: “What kind of information is on my credit report -and how can I see it?” is a common question among people who have had trouble securing credit or loans. Basically, your personal credit report is an electronic … Continue reading

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How To Get Rid Of Bad Information On Your Credit Report By Writing Letters

Helen Hecker asked: Assuming you already have a copy of your annual credit report you may have already found some errors that should be removed. Errors should always be a big concern because they can and probably have affected your … Continue reading

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The Best Way to Fix My Credit

Tony Banks asked: Fixing your credit is possible despite the fact that most people don’t know believe this. No two reports are identical so the approach to fix each report is different but all are broken into two main strategies … Continue reading

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Can paying off debts on your credit report actually increase your score?

Neo™ asked: I’ve recently paid off about seven creditors on my credit report (all within two years of reporting). Does anyone know if that does anything for my score? I was told by all companies that they would remove the … Continue reading

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How Does Applying For a Credit Card Hurt Me?

Manshu Verma asked: How does applying for a credit card hurt my credit score?Every time you apply for a credit card, the credit card company makes an inquiry into your credit report. These are also known as hard pulls. Each … Continue reading

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Can paying off debts on your credit report actually increase your score?

bradly x asked: I’ve recently paid off about seven creditors on my credit report (all within two years of reporting). Does anyone know if that does anything for my score?Ricky

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How to Legally Remove A Judgment From Your Credit Report

Peter M. Johnson asked: If you have judgments against you on your credit report, you have two choices. Pay and get a satisfaction of judgment or dispute them with the credit bureaus.A civil judgment is a court order for a … Continue reading

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Does Incorrect Information on My Credit Report Lower My Credit Score?

Tony Banks asked: Unfortunately the credit bureaus do not tell anyone the exact formula they use to calculate your credit score because people will take advantage of this system. For this reason, it is a good idea to have any … Continue reading

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Equifax Credit Report – Get Your Free Credit Report From Equifax!

Abhishek Agarwal asked: Equifax has been compiling credit reports since 1899. You can now get your own free credit report every year from Equifax. Your credit report is what banks, mortgage and credit card companies use when they are deciding … Continue reading

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The Benefits Of A Free Credit Report In The UK

Dave Joa asked: Today you can easily get instant access to a free copy of your UK credit report online.But what are the benefits of being able to see this record of your credit history and the other details that … Continue reading

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