Does the FCRA Require Credit Card Issuers To Report To The Credit Bureaus?

Does the FCRA Require Credit Card Issuers To Report To The Credit Bureaus? Credit Cards by John Ulzheimer Share Share Email I received the following question from a twitter follower and fellow CrossFitter today.  If you have a credit question for me please feel free to add them as a comment to any of my […]

What Does a Mortgage Do to Your Credit Score?

What Does a Mortgage Do to Your Credit Score? Credit Score by David B. Coulter Share Share Email One of the best financial decisions you can make is to purchase a home. Although the recent housing bubble reveals that buying a home can be risky, there are still many benefits to owning your dwelling. Particularly […]

Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married?

Does My Credit Report Combine With My Spouse’s Credit Report When We Get Married? Credit Report by John Ulzheimer Share Share Email From time to time I’ll receive questions from consumers regarding how their credit reports react to marriage. Many people believe that your credit reports and credit scores merge when you get married. This […]

Is Credit Repair a Scam, or Does It Really Work?

Is Credit Repair a Scam, or Does It Really Work? Bankruptcy by John Ulzheimer Share Share Email Nothing polarizes credit industry players like the topic of credit repair. When you think of credit repair companies you might envision the sleazy business person bilking the uneducated consumer out of thousands of dollars while promising that they […]

Does My Income Impact My Credit Score?

Does My Income Impact My Credit Score? Credit Report by John Ulzheimer Share Share Email You would think that a person with a high income would also have a high credit score, but that is not necessarily true.  It depends upon how they pay their bills and how much of their credit they use and […]

How Does a Cash-Out Refinance Work?

How Does a Cash-Out Refinance Work? Uncategorized by Maria Shahid Share Share Email More than 1.3 million Americans refinanced their homes in the first three months of 2020, marking a seven-year high. There are times in all our lives when we could do with extra cash. From waving a child off to college to finally […]

Does Buying Your Credit Report or Score Online Lower Your Credit Scores?

Does Buying Your Credit Report or Score Online Lower Your Credit Scores? Credit Cards by John Ulzheimer Share Share Email “John, I have heard in the past that buying a credit report, credit monitoring service or a credit score from any of the retail credit websites will hurt your credit scores. I would like to […]

How does negative information impact my score?

How does negative information impact my score? Auto Loans by John Ulzheimer Share Share Email The consumer watch dog, the Consumer Financial Protection Bureau (CFPB) recently released a study regarding how consumer data is managed.  The paper was titled “Key Dimensions and Processes in the U.S. Credit Reporting system: A review of how nation’s largest […]