Term: credit reports
20 found

I Want My Free Credit Reports

By Steven Shaw on 10/23/2013

free credit reports

Do you  wish you could see your credit reports? You’re in luck! Under federal law, you can get free credit reports from national consumer reporting agencies once a year. The major credit reporting agencies that must provide these reports are Equifax, Experian and TransUnion. In some cases, you can get more than one copy a year. And you can also get reports from agencies you probably haven’t heard of. We’ll tell you about those in a moment.

credit report
credit reports
Free Credit Reports
major credit reporting agencies

2 Years After Bankruptcy, My Credit Is Still Bad — Why?

By Steven Shaw on 8/29/2013

after bankruptcy credit

The decision to file bankruptcy isn’t an easy one, but it does offer a way out for those who are faced with debts that they won’t ever be able to pay. And while it offers a chance at a fresh start, trying to repair the damage bankruptcy does to your credit can be downright frustrating, as one of our readers explains in this question:

Bankruptcy
credit report
credit reports
credit score
credit scores
Moving Forward After Bankruptcy

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

The Ultimate Guide to Credit Scores

By Steven Shaw on 4/3/2013

The Ultimate Guide to Credit Scores

The questions from readers keep pouring in and they almost all boil down to the same thing:

“How do I improve my credit scores?” or

“What effect will this action (short sale, credit counseling, etc.) have on my credit scores?”

They can both be tough questions to answer. After all, credit scores are calculated using lots of different factors and everyone’s report — and the scores that result — are individual. But there are also common misconceptions that, if dispelled, can stop someone from spinning their wheels, or worse, doing more damage.

build credit
credit report
credit reports
credit score
credit scores
credit scoring
FICO

A Step-By-Step Guide to Disputing Credit Report Mistakes

By Steven Shaw on 2/11/2013

The information in your credit reports is what’s used to create your credit scores, so you don’t want to let mistakes on your credit reports potentially throw your credit scores out of whack.

An FTC study released today shows that one in five consumers have errors on their credit reports and 5% of consumers have errors serious enough that they could result in less favorable loan terms.

credit 101
credit lessons
credit reports
credit scores
Equifax
Experian
TransUnion

Applying for a Mortgage?

By Steve Ely on 2/1/2013

Here's some really useful tips from Barry at Credit.com on some potential pitfalls.  Check your credit report early!

credit reports
Home Loan
Mortgage

How the Mobile Wallet Might Impact Your Credit Score

By Steven Shaw on 11/29/2012

How the Mobile Wallet Might Impact Your Credit Score

E-wallets are going mainstream, and as more consumers buy in they should be questioning whether the technology could affect their credit score.

Consumers might not see an immediate parallel, but there are a few factors for mobile wallet users to consider. For one, the mobile wallet industry is still young, and the privacy and security of these systems are a work in progress. Also, mobile wallets make it easier to impulse shop, and the jury’s still out on whether such devices like Google Wallet and PayPal’s digital wallet could negatively impact one’s financial behavior. It’s a lot to take in, and given all the credit fraud going around, it’s a decision worth thinking through. So before you take a walk on the digital side, let’s examine two of the issues that you should watch out for.

"credit score"
credit
credit reports
credit scores
personal finance

Alternative data - The Rest of the Story

By Steve Ely on 6/14/2012

Businesses are constantly looking for more information about their customers, and their prospective customers.  Alternative data is a hot topic, and a large area of focus on the minds of the folks responsible for growing the business.

alternative credit reports
alternative data
credit reports
credit scores

Rejected for an Auto Loan? You still have options.

By Steve Ely on 6/4/2012
I wrote this article for Credit.com, one of the best sites on the web for any information related to the topic of credit.  This article let's you know that you can still get an affordable auto loan, even if you don't have traditional credit.
auto loan
credit
credit reports
credit scores
roadloans.com

The Case for Alternative Credit

By Steve Ely on 5/21/2012
I wrote this article for Credit.com, one of the best sites on the web for any information related to the topic of credit.  It's a straightforward and thorough explanation of why Alternative Credit has become so important in today's economic environment.
alternative credit reports
alternative data
credit reports
credit scores