Your Credit Report

Credit reports are not just a record of how you are currently managing your credit accounts, they are histories of everything you are doing with your credit, your financial report card to the world. Learn more with the articles below.

What is a Credit Report?

Whenever you apply for any type of credit or financing, a credit report is pulled from at least one of the three major credit bureaus. While there are hundreds of smaller credit bureaus around the country, virtually every credit bureau is affiliated... Read More

Five Reasons to Check Your Credit Report Regularly

In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history... Read More

Applying for a Loan? Start by Ordering Your Credit Report

If you are considering applying for a loan, ordering a copy of your credit report may well be the best place to start. Why? Because it's also the first thing a potential creditor will be looking at, and even if you pay your bills on time... Read More

Understanding Your Credit Score

This rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are... Read More

The Fair Credit Reporting Act (FCRA)

This rating system is meant to develop a snapshot of the risk you currently represent to a lender. Several parameters in your credit file, including length of credit history, number of open accounts, loans, mortgages, public records, and others are... Read More

Negative Credit Items

Having trouble getting credit for a new car? Turned down for a credit card or mortgage? Here are some of the most common negative credit items that may appear on your consumer credit report to keep you from earning the credit you deserve... Read More

Disputing Negative Items on your Credit Report

The common belief among consumers is that it's virtually impossible to repair your credit by removing bad credit history from your consumer credit report. Once bad credit, always bad credit...right? Wrong. There are ways individuals can improve... Read More

How your Credit Rating Affects your Quality of Life

It's easy to underestimate the value of a credit rating, but in truth; unless you belong in the high-income club and can afford to buy everything with cash, your credit rating dictates the quality of life you live... Read More