What Happens to My Credit When I Move Outside The United States?

What Happens to My Credit When I Move Outside The United States? Auto Loans by John Ulzheimer Share Share Email “John, my husband has taken a new job overseas and I think we’ll be there for at least 3 years. We’re both 32 years and have about 10 years of credit experience under our belts. […]

A Brokerage Account vs. an IRA: What to Know

A Brokerage Account vs. an IRA: What to Know Credit for Beginners by David B. Coulter Share Share Email While they both hold financial assets, a brokerage account and an IRA (Individual Retirement Account) are two different types of accounts. The main difference between the two is that an IRA is an account used for […]

What is the impact of a credit dispute on my credit reports?

What is the impact of a credit dispute on my credit reports? Credit Cards by John Ulzheimer Share Share Email When you get a copy of your credit report you should review it for accuracy.  If you find any errors on your credit reports you should contact the credit bureaus and dispute the information. The […]

What Can I Do if My Credit File Is Mixed With Someone Else’s?

What Can I Do if My Credit File Is Mixed With Someone Else’s? Credit for Beginners by David B. Coulter Share Share Email Some mixes are legendarily good: peanut butter and jelly, cream cheese and bagels, rain sounds and sleeping in. Other mixes are a little less “Hey, I love Neapolitan ice cream!” and a […]

What is a Credit Report Error?

What is a Credit Report Error? Credit Monitoring by John Ulzheimer Share Share Email Consumer advocates are constantly referring to credit reports as being riddled with errors.  Industry representatives dismiss those assertions and suggest that credit reports have very few errors relative to the enormous amount of information they maintain.  So, who has it right? […]

What is a Credit Monitoring Service?

What is a Credit Monitoring Service? Credit Monitoring by Maria Shahid Share Share Email Your credit score is essential in your day to day financial transactions. Keeping your credit score intact is vital for your financial success. Even if you have a good score, it is essential to maintain or increase it. One way to […]

What Are the Benefits of Credit Monitoring?

What Are the Benefits of Credit Monitoring? Credit Monitoring by David B. Coulter Share Share Email If you’re looking forward to buying a new car or house or renting your first apartment, you’ll need  credit monitoring services to take a closer look at your credit score. While many people don’t have a firm grasp of […]

What Are The CFPB Examination Procedures for Consumer Reporting Agencies?

What Are The CFPB Examination Procedures for Consumer Reporting Agencies? Credit Monitoring by John Ulzheimer Share Share Email In March 2012, the Consumer Financial Protection Bureau (CFPB) announced that they were targeting consumer reporting agencies (CRAs) with at least $7 million in annual revenue. This included 30 companies, representing 94 percent of the market and […]

What are Trade Lines?

What are Trade Lines? Auto Loans by John Ulzheimer Share Share Email “Tradeline” is one the common credit industry terms used to identify accounts on your credit reports. Trade lines are the credit card accounts and loans on your credit report.  A trade line contains accounts receivable data provided by credit grantor and includes a […]