The credit bureaus and your creditors work very hard to keep up-to-date guides and more precise in their financial habits for your credit report. However, it can cause some negative information to appear on your credit report. In any case, you may be able to remove certain negative items from your report. Creditors The US […]
Your credit score is very important especially when you plan to apply for a credit card or loan. Credit report usually tells lenders how responsible a consumer has been with his/her credit in the past. The document helps the lenders to assess the risk which may be involved if they lend money to you. In […]
There is no question that credit score has a major impact on your life, your qualify of life, your options, business opportunities and overall choices that you have in life. A good credit score provides access to a better lifestyle. Credit score is used as a mirror reflection of you! Sometimes it does not reflect […]
Due to the growing number of credit applications from the bad credit customers, lenders are now offering low credit score loans. You may be in great need for finances, but you are not able to access conventional loans mainly because of bad credit ratings. Luckily, people who find themselves in this situation can now access […]
When looking into the question above, one must look at several factors. A credit score is a number that estimates one’s level of future credit risk. With a higher score, the credit risk is lower. The opposite is also true. With a lower score, the credit risk is higher. Many lenders have varying scoring systems […]
How to Dispute Your Credit Report
Are you suspecting that there is an error in your credit report? If your answer is yes then you need to contact the credit reporting company together with the company that issued you with the report. It is a must to explain what you think it’s wrong in the credit report and of course why. […]
Access to Your Free Annual Credit Report
A recent change in the Fair Credit Reporting Act 1970 says that each of the credit reporting companies (Experian, Trans Union, and Equifax) are required to provide you with a free copy of your annual credit report. Consumers can obtain their free annual credit report copy using the government credit reporting website. The United States […]
What are Online Credit Reports and Why You Need Them?
The three departments that keep the track of people’s credit report histories in the United States are the Trans Union, Experian and Equifax. You can easily obtain a credit report from these companies with a simple application. The Fair Credit Reporting Act 1970 has made it compulsory for the credit organizations to provide people with […]
When looking into the question above, one must look at several factors. A credit score is a number that estimates one’s level of future credit risk. With a higher score, the credit risk is lower. The opposite is also true. With a lower score, the credit risk is higher. Many lenders have varying scoring systems […]
How to Dispute Your Credit Report
Are you suspecting that there is an error in your credit report? If your answer is yes then you need to contact the credit reporting company together with the company that issued you with the report. It is a must to explain what you think it’s wrong in the credit report and of course why. […]
Access to Your Free Annual Credit Report
A recent change in the Fair Credit Reporting Act 1970 says that each of the credit reporting companies (Experian, Trans Union, and Equifax) are required to provide you with a free copy of your annual credit report. Consumers can obtain their free annual credit report copy using the government credit reporting website. The United States […]