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 ....
  • Mortgage Credit Report
    A mortgage credit report is the key to success (or failure) when looking to purchase a home. Because you probably do not have hundreds of thousands of dollars in liquid cash to spend, you will most li....
  • Credit Bureau Addresses
    For many years, regular mail was the only way people could dispute their credit scores. Some credit repair specialists still believe that hand-written letters are the most effective way to contest ne....
  • Credit Reporting
    A credit reporting act was established to protect the rights and privacy of all consumers. Since your credit report is a direct reflection of you, its accuracy is crucial in keeping the system straigh....
  • Identity Theft
    Identity theft is a rapidly growing crime that occurs when someone steals another individual's personal information and uses it to fraudulently purchase things with credit. This could include totally....