credit report

  • How to Find your Free Credit Score

    Consumers should get a copy of their credit report and review it periodically. A good rule is once every four months. One should read the report and notice activity it describes. One should look at it carefully to ensure that it is accurate. Businesses and employers use Credit reports...
  • Fix Your Credit Before Your Next Credit Report

    If your credit is on the lower side, it might be time to make some financial changes. About 56% of Americans have bad credit; bad credit can cause you to be rejected for loans or cost extra money in interest. Thankfully, it’s possible to fix your credit on your...
  • Who are the Best Credit Repair Companies?

    A good credit repair company may seem difficult to find, but some agencies stand out among the rest. If you’re looking for assistance in fixing your credit, here are the best credit repair companies in business today. Lexington Law Lexington Law has maintained an A rating with the Better...
  • Can You Rebuild Your Bad Credit?

    We strive earnestly maintain a positive credit status. However, sometimes we may find ourselves in circumstances that can adversely affect our credit status like divorce, unmanageable bills and bankruptcy. Regardless the causes of a poor credit score, it is always possible to redeem it and enjoy other financial privileges....
  • What do Credit Repair Companies do?

    Studies have recently shown that 56% of consumers have bad credit. If you’re part of the 56%, there’s help available. It can be hard to improve your credit on your own, but thankfully, some companies can help repair your credit. Before you decide to hire a credit repair company...
  • Is Your Business Credit Report Bad? Here’s How You Can Still Bank

    If you’re in the process of starting a new small business and are hoping to open a business checking account, you need to ensure that your own personal finances are in order. If you are one of the millions of people around the US with a poor credit report,...
  • The Fair Credit Reporting Act

    The Fair Credit Reporting Act is a federal law that creates rights and protections for consumers. It ensures fairness, accuracy, and sound practices in the collection and use of credit reports and other personal financial information. The Congress has amended the law many times since its enactment in 1970...
  • How Do You Check Credit Scores?

    Your credit score is always used by lenders to help to determine whether or not any applications you make for personal loans, credit cards, mortgages or any other form of borrowing, will be approved. But how do you find out what it is? We break down how to check...
  • Can A Tax Lien Affect My Credit Report?

    April 15 is a date that has significance to everyone who is old enough and required to pay taxes. Paying taxes is one of the few things in life that we absolutely have to do. If you don’t pay your taxes on time, you’ll be subject to penalties and...
  • Where to Find your Free Credit Report

    Consumers should get a copy of their credit report and review it periodically. A good rule is once every four months. One should read the report and notice activity it describes. One should look at it carefully to ensure that it is accurate. Businesses and employers use Credit reports...
  • What’s In A Credit Report?

    Almost everyone has a credit card or personal loan, whether it’s because they have borrowed money to purchase a car or a new house. This also means they have credit lines and reports, but most of us have no idea what it contains. Most people ignore the importance of...
  • 10 Things To Avoid When Repairing Your Credit

    Avoid these ten common mistakes when trying to repair your credit. Many people commit these errors in the belief they’re doing well, only to find out they’ve set themselves back. It’s especially sad when all you were doing was trying to improve, but you ended up doing the opposite....
  • 4 Easy Steps to Improve Your Business Credit Report

    Starting a business is not a simple task; you put a lot at stake, including the entire investment amount. And you often require a lot more money to expand your business, and at times like these, it may be a sound idea to make use of a business credit...
  • Can I Get A Lien Off My Credit Report?

    If you’ve ever heard the phrase “you have a lien on your property”, you know how damaging this can be not only to your financial well being but also to your credit scores. For those that are unfamiliar with liens, here is an overview of what liens are, what...
  • 7 Ways To Spot A Credit Repair Scam

    So you’ve decided to buckle up and set to repairing your credit. You’re looking forward to the easier life that comes with having a good credit score. You’re ready to dedicate yourself to wiping your credit report free of past mistakes and misinformation. But don’t let your eagerness blind...
  • Top 7 Tips To Improve Your Credit Score

    When it comes to applying for a loan, your credit is one of the most important factors; any responsible lender or organization would want to make sure you can comfortably afford to manage any new borrowing without overstretching. Many at times, relevant information on your personal file is used...
  • Does your Credit Report have an Error? Here’s What to Do

    Preparing to make a significant purchase, a consumer orders a copy of his or her credit report. Upon review, the consumer finds a delinquent loan payment entry for a loan, which one had never taken. It is clearly an error, and it appears that the credit-reporting agency has entered...
  • Top 11 Ways To Improve Your Credit Score Quickly

    The National Foundation for Credit Counseling recently held a survey that shows people are less likely to be embarrassed by their weight (12%) than by their credit scores (30%). And just like with dieting, a focus on improving your credit score (the health of your credit), can give you...
  • What is a Good Credit Score?

    Everyone wants a good credit score. After all, when it comes to borrowing money, a great credit score is the key factor in determining the terms of the loan and how low of a rate you’ll actually get. However, trying to figure out what exactly constitutes a “good” credit...
  • Everything You Need To Know About FICO® Scores

    What is a FICO® Score?   A FICO® Score determines the available credit, as well as the guidelines with which credit is given, such as interest rates. It helps the lender determine the risk involved with lending you money. FICO® Scores are calculated from the credit reports from specific...
  • What is a Bad Credit Score?

    Credit scores range from a low of 300 to a high of 850 for both FICO and Vantage Score rankings. The companies that determine credit scores don’t label specific scores as good or bad. Even credit reporting agencies merely review the current market for an idea of what constitutes...
  • Credit Repair Checklist

    So you’re determined to fix your credit. Good for you! A better life lies within your reach. Follow this easy-to-understand checklist to help guide you on your journey towards a high credit score. Step 1: Get a copy of your credit report The first and most important step to...
  • 3 Ways to Improve your Credit Score Before Applying for your Mortgage

    If you are interested in purchasing a home, ideally you should begin your quest to improve your credit rating at least 6 months before applying for a home loan. It takes time to make any headway on a poor or average credit score. Even 6 months might not even...