eCredable Blog - Learn to Build Credit

Related Posts

• What Your Credit Reports Won’t Tell You

   

  A credit report is a pretty simple concept: It’s a report on your past use of credit and loans. That part is generally pretty easy for people to grasp. It’s some of the other stuff on the report — and the stuff that’s not on the report — that confuses some and leads to misunderstanding the credit report’s purpose.

• U.S News Best Secured Credit Cards of 2020

  Beverly Harzog shares her views on the best Secured Credit Card of 2020

• 6 Accounts That Build Credit and 2 That Don’t

  Find out which types of accounts build credit and which ones don’t so you can avoid wasting resources during your credit-building journey.

• 10 Things Everyone Should Know About Credit Scores

  The last time I got up in front of a group to talk about my job, no one had questions for me. It was a high school career day a few weeks ago, and the students stared at me blankly as I dropped words like “personal finance,” “credit scores” and “debt.” I could tell they thought my work wasn’t exciting, that the topics I write about are boring. Everyone was happy when the bell rang to end my session.

• How Late Can I Pay a Bill Before It Hurts My Credit?

  

  It’s irritating to run across a bill and to realize it was due yesterday… or last week. If it’s a credit card bill, you may also have to pay a fee (sometimes, if it’s a rare slip-up, you can get it waived), and it can be especially scary to find an overdue bill if you have applied for credit or plan to in order to make a big purchase, like a house or vehicle. Readers often ask us how late a payment has to be before their creditors report it to the credit bureaus:

• How to Add Utility Bills to Your Credit Report

  You can't report utility bills to the credit bureaus by yourself, but you can hire a third-party service provider to do it on your behalf.