A shaky credit score means the difference between getting approved for a loan and being denied. And when you’re ready to go for that first home, or new car the last thing you want is to be denied. If you know your credit is bad, there’s no time like now...
Credit Scores
Examples of Hard Credit Inquiries
Lenders and other third parties judge your creditworthiness based on many factors and one of them is the inquiries that are on your report. Inquiries allow them to see when and where you’ve searched for credit in the past. There are two kinds of credit inquiries they can look at:...
Top Credit Monitoring Companies
Credit monitoring companies keep a lookout on your credit report to see if there is any suspicious activity. Some of the best credit monitoring companies out there include: Identity Guard: This company is considered the best on the market. It monitors any changes in your credit score and offers some...
How To Report Account Mistakes On Credit Report
If you see any discrepancies on your credit report from the actual statement that you get from AnnualCreditReport.com, don’t just take it -challenge it. For example, if you’ve always paid one of your credit cards on time, but your credit report lists the account as 10 days past due, you...
Is a Closed Account Still on Your Credit Report?
Sometimes we need to close an account on our credit report. Maybe we’re done with the card or loan. Or, maybe the lender closed it. Either way, it may still show up on your credit report. There are many reasons for this. It shows new creditors what you’ve had in...
Don’t Know Your Credit Score? You’re Not Alone
It’s important to know your credit score, but you aren’t alone if you don’t know yours. In fact, 6 in 10 Americans are clueless about their current score. Luckily, it’s easy to find out and takes only a few minutes. Many credit card issuers provide this information to their cardholders...