Sample Letter Requesting a Copy of Your Credit Report
The information in your credit report determines in large part what kind of credit, from car loans to credit cards to mortgages, you’ll be able to get. Federal law gives you the right to know what...
View Article10 Ways to Increase Your (FICO) Credit Score 25 Points
If you haven’t started playing the FICO game yet, here are 10 little-known credit cheats that will help you get to the next credit level. There’s one score that follows you around for life — your...
View ArticleCredit Karma Scam?
So, you can get your TransUnion Credit Score for free? You can get absolutely free credit monitoring? These are services that people pay good money for and Credit Karma, a company that isn’t...
View ArticleEquifax, Experian and TransUnion Credit Bureau Contact Information
A credit bureau gathers information about how consumers use credit. In other words, they collect information from as many consumer financial transactions or inquiries as they can. They then sell...
View ArticleNew Credit Score Model Will Help Establish Credit for Millions
A new credit scoring model will potentially boost scores for many credit applicants and help establish credit for millions of people who previously had little or no credit history. The new scoring...
View ArticleHow to get a Mortgage Loan With a Low Credit Score
Home ownership is a part of achieving the American dream. For many, the only thing standing between them and owning a home is a low credit score. Lenders rely heavily on FICO Scores when determining...
View ArticleRemove a Car Repo From Your Credit Report
Just because you settled with a car loan company after a car repossession, that doesn’t mean that they have to remove it from your Equifax, Experian or TransUnion reports. You can ask, but there’s no...
View ArticleDoes Your Credit Score Need a Tweak? Here’s How!
A credit score is either a blessing or a curse cast down upon you from the digital cloud. A score of 740 qualifies you for the best interest rate on a conventional mortgage. A score under 640 means...
View Article5 Tips to Boost Your FICO Score
Your credit score or FICO is very important as you are defined by this ever changing number attached to your name. It can affect your ability to get a loan, your chance of getting a job and even...
View ArticleBad FICO Scores Will Damage Your Credit Report Because of These 14 Credit...
There are a wide variety of myths floating around about what you should and shouldn’t do to improve your credit reports and credit scores. Your credit score is important for obtaining credit. Your...
View ArticleIs a FICO Score the Same as my Credit Score?
A FICO Score is a brand of credit score — FICO stands for Fair Isaac Corporation and Fair Isaac is the company that developed the software program used by the credit bureaus to compile and calculate...
View ArticleCredit Score Using FICO Score vs VantageScore
FICO isn’t the only number used to determine your credit risk — the score that counts is the one your lender uses. There is no single credit score number — the compilers of the widely accepted FICO...
View Article8 Quick Tips on how to Raise Your Credit Score Fast
Credit scores — they’re like report cards for grown-ups. It’s a three-digit “grade” you get on a scale that ranges from 300 to 850. Your score indicates your creditworthiness to potential lenders,...
View ArticleHow to Dispute Credit Report Errors With the Credit Bureaus
The three credit reporting bureaus deal with a substantial amount of information daily. As a result, mistakes can occur on your credit report. By requesting and reviewing the free annual credit...
View ArticleWhere do I Dispute and Correct Errors in my Credit History?
If you find errors or inaccuracies in your credit history file, you will have to submit a dispute letter or request to each of the credit bureaus on which the mistake appears. In some cases you may be...
View ArticleWhat is the Role of a Credit Bureau?
The credit bureau keeps record of an individual’s credit history. A credit bureau prepares an individual’s credit report that contains every payment detail for that individual. A credit report also...
View ArticleSmall Delinquencies are Overlooked in Calculating Your FICO ’08 Credit Score
With the newest version of the FICO credit scoring system, minor delinquencies are now overlooked in calculating creditworthiness. Under the updated scoring model, called FICO ’08, small missed...
View ArticleAbout the Big Three Credit Bureaus
A credit bureau is an information clearinghouse that compiles information on consumers. The credit grantors, or lenders, report consumer payment history to the credit bureaus. The credit bureaus then...
View ArticleThings You Can do to Improve Your FICO Score
Keep in mind that changes in your FICO score take a long time to occur but if you live by the following guidelines, your credit score will improve over time. Review your credit reports regularly for...
View ArticleWells Fargo is Now Offering a Free Credit Score Check
Wells Fargo customers will have free access to one of their credit scores and credit reports until November 16, 2014 in conjunction with the American Bankers Association’s annual campaign “Get Smart...
View ArticleWells Fargo Free Credit Score Offer | Wells Fargo
Wells Fargo bank announced Wednesday it will be offering free credit scores and credit reports to all of its customers through November 16, 2014 — you can get these scores by obtaining a personal...
View ArticleHow can I Find out What my Credit Score is for Free?
Most people can get confused when it comes to checking their credit scores. Consumers wonder which credit score should they check, what’s the best credit score website and are credit scores really...
View ArticleFICO Score Being Replaced by CoreScore Credit Score With new Credit File
Anyone who has recently applied for a mortgage knows that lenders are already looking much more closely at your financial affairs. But soon, they’ll be able to easily delve into the deepest recesses...
View ArticleHow to Remove Medical Debt From Your Credit Report
When an individual gets into a serious accident or incurs a large sum of medical bills from an illness, it can be hard to repay the debts before the hospital turns the debts over to a collection...
View Article
