Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

You may already know the common items that appear on your credit reports, like personal identifying details as well as the debts you hold, payments you’ve made and hard inquiries generated whenever you fill out an application for credit with a lender. But knowing all that, you could still find surprises on your credit report. Even if... Read More

Will an Authorized User Show Up on My Credit Report?

Will an Authorized User Show Up on My Credit Report?

Will an Authorized User Show Up on My Credit Report?

If you’re considering adding someone to your credit card accounts — a spouse, child, parent or even close friend — you might be wondering how it could impact your credit, both positively and negatively. The simple answer is that it won’t really. As long as you’re making your payments on time and neither of you... Read More

Why Are Credit Reports So Hard to Understand?

Why Are Credit Reports So Hard to Understand?

Why Are Credit Reports So Hard to Understand?

Does trying to read your credit report feel like you are reading another language entirely? This is a perfectly normal reaction when reading one of your reports for the first time or if you are not in the habit of reviewing your credit reports regularly. “While your credit reports may be hard to read at... Read More

Why Isn’t My Credit Card Showing Up on My Credit Report?

Why Isn’t My Credit Card Showing Up on My Credit Report?

Why Isn’t My Credit Card Showing Up on My Credit Report?

Q: I have a credit card that I have been using for about five years, and [it] has never showed up on my credit reports. I usually keep the card paid to a zero balance. How do I get this to show up? It should help my score. — Anonymous A. Opening a new line of... Read More

3 Ways Your Credit Report Could Be Wrong About You

3 Ways Your Credit Report Could Be Wrong About You

3 Ways Your Credit Report Could Be Wrong About You

Most of us take pride in the way we present ourselves to people — our actions, appearance and words tell the world who we are. Our credit reports should work the same way and be an accurate representation of us as consumers. This way, lenders can use them to fairly evaluate loan and credit applications... Read More

Is That Credit Report Really Free?

Is That Credit Report Really Free?

Is That Credit Report Really Free?

You know you’re supposed to review your credit, and you’ve even heard that you can do so for free. But is anything in life really free? Turns out, your credit reports are. Yes, that’s right, you really can get your credit reports from the three major credit reporting agencies — Experian, Equifax and TransUnion —... Read More

Is This the Biggest Change to Credit Reports in Years?

Is This the Biggest Change to Credit Reports in Years?

Is This the Biggest Change to Credit Reports in Years?

The major credit reporting agencies have a big change in the works that could bolster a lot of people’s credit scores. As part of its National Consumer Assistance Plan (the result of a settlement brokered with 31 state attorneys general back in 2015), Equifax, Experian and TransUnion are planning to significantly reduce the amount of tax-lien and... Read More

Help! I Don’t Recognize This Student Loan on My Credit Report

Help! I Don’t Recognize This Student Loan on My Credit Report

Help! I Don’t Recognize This Student Loan on My Credit Report

So you finally pulled a copy of your credit report, and right off the bat you noticed something’s not right. You don’t recognize one of the creditor’s names, and they say you have significant student loan debt. What should you do? First of all, don’t panic. There’s a chance it’s all a mistake, so you’ll need to approach this strategically. Here’s... Read More

What’s the Biggest Credit Bureau?

What’s the Biggest Credit Bureau?

What’s the Biggest Credit Bureau?

There are lots of credit bureaus out there, but three companies — Equifax, Experian and TransUnion —have reigned supreme when it comes to furnishing lenders with data on your ability to repay a loan. Of course, one of these bureaus must be the biggest of them all — and a comparison of each firm’s 2015... Read More

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