Credit

  • Fico Scores
    Your credit bureau scores are typically called "FICO scores" because most credit bureau scores used in the United States are generated by software created by the Fair Isaac Company. FICO scores are o....
  • How to Protect Your FICO Score While Rate Shopping
    While inquiries into your credit report can hurt your FICO score, the creators of the FICO scoring formula understand that consumers will want to shop around for the best rates, especially on homes an....
  • What a Good Credit Score Is and How You Can Get One
    Good credit is not born; it's made. When you have a good credit score you get access to better money borrowing options such as lower interest rates, longer repayment terms, and unsolicited card or l....
  • Your Free Annual Credit Report – What Lenders Watch Out For
    If you've ever applied for a credit card or loan in the past and been rejected, that means your credit score wasn't good enough. Finding money is not so easy as it used to be, in the light of the U.S.....
  • Tax Liens and Your Credit Score
    Have you ever had a tax lien levied on you in the past? Has that lien been paid off or is it still current? A tax lien, whether past or current, will definitely hurt your credit score. This may be ....
  • Home Loan Modifications and Your Credit Score
    A Home Loan Modification can help you stop foreclosure and stay in your home. But if you’re like most homeowners, you’re probably wondering how it will affect your credit ....
  • Trans Union Credit Report
    If your Trans Union credit report contains inaccurate or incomplete information, you should contact both the credit report agency and the company that provided the information immediately. Tell the cr....
  • Reporting Credit Disputes
    Reporting credit disputes should first be done to the credit issuer and then reported to the 3 credit agencies if prior attempts are unsuccessful. In many cases lenders are more than happy to corre....
  • Credit Check
    A credit check, on occasion, can help you keep on top of your existing consumer credit standing. If you have had financial difficulty in the past, monitoring your improvement can help motivate you bac....
  • Experian Credit Scores
    Most people have heard of a credit score, but few actually know what their credit score is. Even those who are familiar with their current score (a rating system designed to tell creditors how much o....