How Much Do You Think You Know About Credit Scores?
How Much Do You Think You Know About Credit Scores? Credit Monitoring by John Ulzheimer Share Share Email VantageScore Solutions and the Consumer Federation of America recently conducted a study of over 1,000 adults regarding their knowledge of credit scores. More than half knew about credit scores. Most knew the key ways to raise or […]
5 Components You’ll Find in Your Credit Report
5 Components You’ll Find in Your Credit Report Credit Report by Maria Shahid Share Share Email When you get a credit report, you’ll find tons of information about your borrowing habits that can be difficult to understand. The process of credit scoring and how your credit score is determined is somewhat unknown to the public. […]
How Long Does It Take to Get Approved for a Credit Card?
How Long Does It Take to Get Approved for a Credit Card? Credit Cards by Maria Shahid Share Share Email Credit cards are a virtual necessity of contemporary life. Without them, it’s difficult to rent a car, purchase an airline ticket or shop online. Yes, you can use a debit card for these purposes, but […]
The Future of Credit Scoring in 2024
The Future of Credit Scoring in 2024 Credit Score by David B. Coulter Share Share Email In the financial world today, there is perhaps no more ubiquitous metric than the credit score. For decades, FICO and other credit scoring systems have been the rigid bedrock on which the lending industry has been built, dictating access […]
How do I dispute an error on my credit report?
How do I dispute an error on my credit report? Civil Penalty by John Ulzheimer Share Share Email There has been a lot of discussions recently about credit report errors. First, what are some of the errors that can plague a credit report? The account is not yours, incorrect address, incorrect date of birth, name […]
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach
Monitoring Your Credit: What To Do if Your Info Is Exposed in a Data Breach Credit Monitoring by David B. Coulter Share Share Email Hopefully, you’ll never have to ask what to do if your info is exposed in a data breach, but in today’s digital age, data breaches have become all too common. Cyberattacks […]
Should I Stop Paying My Credit Card Bills By Their Due Date?
Should I Stop Paying My Credit Card Bills By Their Due Date? Auto Loans by John Ulzheimer Share Share Email Today is April 1st and if you’re like me then you’re trying to avoid being the victim of a good April Fool’s Day joke. In addition to being April Fool’s Day, today is also the […]
How Frequently Should You Check Your Credit?
How Frequently Should You Check Your Credit? Credit Monitoring by David B. Coulter Share Share Email There are three credit bureaus that monitor your credit score: Equifax, Experian, and TransUnion. Federal law requires each one of these bureaus to offer you a free credit report every 12 months, upon request. For some people, this annual […]
Buzz kill…Here’s Why Your Credit Score is Meaningless to Lenders
Buzz kill…Here’s Why Your Credit Score is Meaningless to Lenders Auto Loans by John Ulzheimer Share Share Email 700, 680, 545…we’re all focused on our credit scores and with good reason. Credit scores can determine whether or not we can get credit to buy a home, a car, an education. Credit scores can determine what […]
Can A Balance Transfer Help my Credit Scores?
Can A Balance Transfer Help my Credit Scores? Credit Cards by John Ulzheimer Share Share Email First, what is a balance transfer? Credit card issuers want to increase their share of your wallet and will offer you low interest rates in exchange for you transferring the balance from another credit card to their credit card. […]