Term: credit report
11 found

How I’m Rebuilding My Credit After Bankruptcy

By Steven Shaw on 8/5/2015

rebuilding credit

Tracy M. (he asked we not share his full name) is rebuilding his credit for the second time. It’s a long haul but despite numerous obstacles — including six-figure student loan debt that has tripled due to fees and interest — he’s not giving up.

credit report
Bankruptcy
credit score
rebuild credit
rebuilding credit

What Is Credit Monitoring, Really?

By Steven Shaw on 4/6/2015

how credit monitoring works

Millions of Americans have received free access to credit monitoring products — it’s pretty much a standard “we’re sorry” gesture from any company or organization that loses customer data after a cyberattack. While companies are handing out credit monitoring like it’s candy at a parade, consumers often don’t understand what they’re getting and that different products vary greatly in what they can and can’t do for you.

credit report
Identity theft protection
Credit Monitoring
identity theft

The Most Important Dates on Your Credit Report

By Steven Shaw on 3/23/2015

How Much Do Dates On My Credit Reports Matter?

If you’ve reviewed your credit reports recently you’ve no doubt seen many dates — many, many dates. Some are more important than others. And some are absolutely critical. A Credit.com reader asks:

What’s the difference between Date Opened, Date Reported, Date of Last Payment, etc.?

credit report
credit report
FICO Score

How to Rebuild Your Credit Without Using Credit Cards

By Steven Shaw on 11/24/2014

rebuild your credit

Credit cards can be a polarizing subject. Many Americans love them for their security and convenience, but these very same qualities lead many cardholders into debt. After becoming overextended, cardholders may miss payments and find themselves with ruined credit.

So the last thing these people need is to try to rebuild their credit by using more plastic. Thankfully, there are several ways to improve your credit profile without using credit cards.

credit report
Credit builder loans
credit cards
rebuild credit
rebuilding credit

Can You Raise Your Credit Score 100 Points in a Month?

By Steven Shaw on 9/16/2014

raise your credit score

 Improving your credit score often requires a lot of patience, because a good credit score is built on years of responsible habits. If you’ve made mistakes, they can be challenging to recover from, but it’s a doable goal. Of course, if you want to buy a home, take out a personal loan or get a new credit card, you may not have a lot of time to boost your score. You need a quick route to the next-highest tier of credit quality if you want loan approval and affordable interest rates.

credit cards
credit report
Good credit scores
Improving your credit score

How Do Credit Report Errors Happen?

By Steven Shaw on 9/4/2014

credit report errors

If you have seen wrong information on your credit report – and plenty of people have – you’ve probably wondered how it got there. After all, if the statements you get from your lenders are accurate, shouldn’t your credit reports be? Credit reporting agencies manage billions of pieces of information about our credit histories, though, and there are several ways mistakes can happen.

credit report
Credit Report Errors
credit reports

Could Making Minimum Payments Hurt Your Credit Score?

By Steven Shaw on 5/19/2014

Could Making Only the Minimum Payment Hurt Your Credit Score?

How you use your credit card can have a big effect on your credit score. Paying your bills on time and keeping your balance low relative to your credit limit has a direct impact on your score, but there’s a lot lenders can learn from the way you pay your credit card bills, too. 

credit report
credit score
credit utilization rate
minimum payment

The 5 Most Confusing Things on Your Credit Report

By Steven Shaw on 1/7/2014

credit report 

You know that you should review your credit reports. So you do. But when you do, you find yourself confused, wondering if it was worth it.

It definitely is.

Here are five things about credit reports consumers often find confusing, and how to find some clarity.

credit report
credit report inquiries
free credit reports
credit 101
Credit Report Errors
Free Credit Reports

Just Released: WilliamPaid Survey Reveals that Apartment Renters Want Utility and Rent Payments Included in Credit Reports

By Steven Shaw on 8/21/2013
More than 70 percent of American apartment dwellers said that they want their utility and rent payments to count toward their credit history, according to a WilliamPaid survey of more than 1,000 renters that was conducted on July 12 to 15, 2013. The findings, which were released today, also indicate that one-third of respondents had been denied lines of credit within the past year, demonstrating that Americans need all the help that they can get when it comes to building good credit for their futures.
credit report
credit report
credit reports
Rent
Rent Payments
Renting
Utility Payments

Credit Scores & Credit Scores - What's the difference

By Steve Ely on 5/8/2013

We have a lot of information on our web site on this topic, but I always enjoy reading what Barry Paperno has to say on this topic.  He's a legitimate industry expert, who has the credentials to speak on this topic from an insider's perspective.

credit report
credit score