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 ....
  • Credit Bureau Scores
    Despite many claims to the contrary, there is no quick fix for an impaired credit score. Keep in mind, however, that responsibility has its rewards. Making timely payments on loans and paying off la....
  • Personal Credit Report
    A personal credit report is a summary of your credit history. There are several basic items in every report. First are open accounts such as credit cards, car payments and student loans. Every credit ....
  • Credit History
    A credit history is a detailed report that describes how well a person has repaid his or her debts in the past. When a person applies for a loan or any other type of credit, they are basically giving....
  • Credit Checks
    Credit checks are a necessary procedure before making any significant purchases. Whether you are buying a washer and dryer and looking to open an account with Sears, or want to buy your first home and....