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 ....
  • Free Experian Credit Report
    Generally, your free Experian credit report score will be better the longer your credit history is. However, it only accounts for 15% of your total score, so even young people with short histories can....
  • Equifax Credit Bureau
    As one of the three major credit bureaus, Equifax provides thousands of banks and credit card companies with comprehensive consumer credit reports, which are used to determine whether or not certain p....
  • Merged Credit Report
    A merged credit report takes the data from the three main credit bureaus and combines them into one legible and accurate report. Most financial institutions choose one of the three credit bureaus for ....
  • Experian Credit Services
    Experian is one of the three major credit bureaus in the United States (the others being Equifax and TransUnion). Experian has, in recent years, tried to set themselves apart from their competitors b....