credit report errors

Why Dispute Credit Report Errors?

Your credit scores change as new data hits your credit file. However, your file is only as accurate as the information reported by your creditors …

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Your Credit Reports

How To Read Your Credit Reports

Tracking down your credit reports is the easy part. Trying to navigate your way through the sections, figure out what to focus on and decode …

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What Impacts Your Credit Scores

What Impacts your Credit Scores?

Your credit scores are calculated from information on your TransUnion®, Equifax® and Experian® credit reports. And your creditors are constantly updating your accounts with one, …

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Mortgage Payment History and Home Equity Loans

If you are thinking of applying for a home equity loan, make sure you understand how your payment history on your current mortgage and your overall credit history will affect your chances of qualifying and the interest rate deals that lenders will offer you.

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Student Credit Cards Help Build Credit

Student credit cards can offer a great opportunity for young adults to build a credit history and their credit scores. This will have a positive impact if they are responsible enough to manage the spending and repayment of debts.

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Give College-Bound Teens Credit Smarts

Equip your teen to navigate the credit world, both on- and off-campus, by sending them off with these Credit 101 tips! Help them begin establishing credit, discuss how late payments and over-limit fees can impact their credit scores, and encourage them to build good credit habits right out of the gate.

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Secured Credit Cards: A Path to Better Scores

Simply going out and getting a secured credit card “has little or no effect” on your credit reports and credit scores. It’s how you repay your secured card debt that makes all the difference. With responsible use, you can establish a positive credit history and build your credit scores.

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Major Retailers Hit Hard by Breaches in 2018

Retailers have grabbed the lion’s share of data breach headlines in the first half of 2018. Macy’s, Adidas, Saks Fifth Avenue, Lord & Taylor, Kmart, Sears and Under Armour all suffered breaches in which the personal data of their customers was hacked or exposed. Here’s a look at notable security breaches thus far.

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Credit “I Do’s” – Until Debt Do You Part

When you ask for a lender’s “hand” in extending you credit – and they accept your proposal – the marriage between debt and your credit scores begins. If you truly commit to your credit scores for better, you can avoid the worse by pledging these Credit “I Do’s.”

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Credit Scores and Home Improvement Financing

Remodeling your home – freshening up a living space, replacing the bathroom tile, or renovating to improve your home’s value in anticipation of a sale – can be a worthwhile investment. Financing your dream renovation depends on your credit scores – higher scores will lead to better interest rate offers on a loan.

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Capacity + Character + Consistency = Creditworthy

Ask a lender to extend credit and they immediately want to know if you are creditworthy. Your credit reports and scores will give lenders an idea of how creditworthy you are by indicating how you fare on the three Cs – capacity, character and consistency.

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Personal Info of 230 Million Consumers Exposed

The personal and behavioral information of about 230 million consumers and the records of 110 million businesses were discovered left unprotected on a publicly accessible server that was used by data broker Exactis to house its database.

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