Disputing Your Credit Report

Consumer reporting agencies, better known as credit bureaus, collect financial information from you from institutions with which you have a relationship. Keep reading »

How Inquiries Affect Credit

Ten percent of your credit score comes from applications made to your credit report. Each time a creditor or a lender takes a look at your credit report to determine whether or not to extend credit Keep reading »

Effects of a Bad Credit Score

Buying and selling goods and services is the hallmark of today’s society. Except for the air you breathe, everything you need for living must be purchased Keep reading »

When Credit is Needed

It’s not a good idea to attempt to make a large credit purchase without knowing what’s on your credit report.  When you make an application for most types of credit, Keep reading »

New Credit Mistakes

Credit card companies seldom teach first timers the proper way to use a credit card. Why would they? They make more money from people who don’t know exactly how to be responsible with a credit card. Keep reading »

What Makes Up a Credit Score?

There are five main items that make up your credit (FICO) score: payment history, outstanding debts, credit history age, inquiries, and account types.  Keep reading »

Getting a Free Credit Report

Many very misleading “free” credit report offers are being advertised right now and are duping customers.  They’re not free at all and are only provided to you once you pay for another service or product. Keep reading »

How to Build a Good Credit History

A good credit history is essential in today’s society. Traditionally, you only had to worry about having a good credit history for credit cards and large purchases such as home and automobiles. Keep reading »