What is a Fair Credit Score Range?
What is a Fair Credit Score Range? Credit for Beginners by David B. Coulter Share Share Email What is a Credit Score? A credit score is a number between 300 and 850 that shows how reliable you are at paying back money you’ve borrowed, which is based on your credit history. Credit scores act as […]
What is a Mortgage Credit Report? How is it Different Than a Regular Credit Report?
What is a Mortgage Credit Report? How is it Different Than a Regular Credit Report? Credit Report by John Ulzheimer Share Share Email When you apply for a mortgage the lender or broker does not pull a normal credit report, like what would be pulled by an auto lender or credit card issuer. Instead they […]
What Could Happen
What Could Happen Credit Cards by David B. Coulter Share Share Email A Road Less Traveled One topic that people usually do not enjoy discussing or even thinking about is insurance, especially life insurance. If you are single or a young couple with no children, you might not need to worry about this expense as […]
How to Spot and Fix Errors on Your Credit Report
How to Spot and Fix Errors on Your Credit Report Credit Monitoring by David B. Coulter Share Share Email We might believe that the major credit bureaus keep the tightest and most up-to-date records of our credit profiles. However, according to a new Consumer Reports investigation, more than one-third, or 34 percent, of Americans found […]
How Does the Mortgage Process Work?
How Does the Mortgage Process Work? Credit for Beginners by David B. Coulter Share Share Email The vast majority of home buyers purchase their dream home with financing, and that means applying for a mortgage. Don’t believe everything you’ve been warned about, however. The loan application process is more user-friendly, automated and transparent than many […]
Ever Wonder How To Get an 850 Credit Score? 5 Tips To Help Get You There
Ever Wonder How To Get an 850 Credit Score? 5 Tips To Help Get You There Credit Report by David B. Coulter Share Share Email You know what? You’re doing great. Your hard work and diligence have paid off in the form of a credit score you can really be proud of, but you know […]
We have 49 different FICO scores and no, I’m not kidding
We have 49 different FICO scores and no, I’m not kidding Credit Cards by John Ulzheimer Share Share Email We all know that we have a FICO score, and most of us think we have just three, one per credit bureau. Would it surprise you, however, to learn that you actually have 49 different FICO […]
What’s the Difference Between Credit Cards and Charge Cards?
What’s the Difference Between Credit Cards and Charge Cards? Credit Cards by John Ulzheimer Share Share Email Do you know the difference between a credit card and a charge card? A credit card has a preset spending limit and you’re generally allowed to charge up to that amount. A charge card has no published spending […]
How Much Credit is Too Much Credit?
How Much Credit is Too Much Credit? Auto Loans by John Ulzheimer Share Share Email “John, I am wondering how much credit is the right amount and how much is too much? Is there a simple answer to that question?”
VantageScore Solutions Announces VantageScore 3.0, and it’s got some pretty cool stuff!!
VantageScore Solutions Announces VantageScore 3.0, and it’s got some pretty cool stuff!! Credit Monitoring by John Ulzheimer Share Share Email Today VantageScore Solutions announced the release of the 3rd generation of their credit bureau based risk scoring model, the VantageScore Score. Experian, one of the three credit reporting agencies that sells the VantageScore score has already announced […]