The issue of con artists tricking people into taking part in their credit report scams has been on the rise. Once in the trap, they will either con you to give them money or give them information they need with an aim of stealing your identity or make a big mess with your money. There […]
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 […]
Having a bad credit score can affect your life negatively. Furthermore, if you have a low credit rating, you are likely to face severe financial difficulties and limitations. If you find yourself in this sort of predicament, then you need to do everything possible to repair your credit score. Credit repair is a commonly used […]
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 […]