The 6 Best Financial Moves You Can Make in Your 30s

The 6 Best Financial Moves You Can Make in Your 30s Credit Report by David B. Coulter Share Share Email Financial planning can look a lot different in your 30s than in your 20s. If you’re approaching your 30s, chances are that by now you’ve already learned a thing or two about financial management. Though […]

What’s The Difference Between A Credit Report and A Credit Score?

What’s The Difference Between A Credit Report and A Credit Score? Auto Loans by John Ulzheimer Share Share Email “John, I’ve read where you undress people who say credit scores are used by employers and then you get on them for using credit reports and credit scores as if they were the same things. Isn’t […]

How Late Can My Late Payments Be?

How Late Can My Late Payments Be? Credit Monitoring by John Ulzheimer Share Share Email I think I know where this question comes from.  It comes from people who are late paying their bills and want to know just how long they can go before their delinquency is reported to the credit bureaus for all […]

Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out

Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out Credit Monitoring by John Ulzheimer Share Share Email “John, I had a call with a company today that I might hire to help me clean up my credit report. I asked them if they were a credit repair company and they immediately […]

How Often Does My Credit Score Change?

How Often Does My Credit Score Change? Auto Loans by John Ulzheimer Share Share Email The frequency with which your credit score changes is a product of the frequency of the changes in your credit report.  Because your credit score is based upon the information in your credit report, updates to your credit report can […]

The Hidden Costs of Buying a Home

The Hidden Costs of Buying a Home Credit Report by Maria Shahid Share Share Email In 2019, 65.1 percent of Americans owned their homes, but for many more people homeownership remains a dream. While interest rates are low, many people will be looking into how to make that dream a reality, but it’s important that anyone calculating a […]

Will Changing Banks Lower My Credit Scores?

Will Changing Banks Lower My Credit Scores? Auto Loans by John Ulzheimer Share Share Email With millions of consumers switching banks in fourth quarter 2011 (26 percent because of high fees), you may be concerned what impact moving banks may have on your credit score.  It all depends upon the financial institution’s policy.   Most banks […]

Why Did I Get IRS Form 1099-C From My Credit Card Issuer?

Why Did I Get IRS Form 1099-C From My Credit Card Issuer? Credit Cards by John Ulzheimer Share Share Email I received my first 1099 for tax year 2012 last week.  And while the weather suggests “It’s beginning to look a lot like Christmas” it’s also a reminder that we’re only 3 months away from […]