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It’s possible, and sometimes common, for teens and young adults to unknowingly damage their credit, as they aren’t fully aware of how their spending habits are truly affecting them. But sometimes it can go a step beyond youthful mistakes and parents are the ones ultimately prompting the damage to their child’s credit. (You and your... Read More
Thanks to the Fair Credit Reporting Act, you’re likely familiar with the three major credit reporting agencies — Equifax, Experian and TransUnion. And you’ve also likely deciphered that you have more than one credit report, given that laws entitle folks to a free one from each bureau every year. (You can get these reports over at AnnualCreditReport.com.) You... Read More
“I need a man who has his life together and can pay his bills.” That’s not a jaded divorcée talking. It’s 22-year-old Martina Paillant of Brooklyn, New York. In a recent interview with The New York Post, Paillant said she was raised in a family of professionals who took handling their money very seriously. “I have no student... Read More
You didn’t pay a bill because you were unemployed. You moved and never received a medical bill because your mail forwarding didn’t quite work as planned. Or maybe you were just running short on cash and decided to not pay that outstanding utility bill when you moved (don’t do this!). Whatever the case, it was... Read More
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
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
If you find inaccurate or unverified information on one of your credit reports, you can dispute that information. And, under the Fair Credit Reporting Act (FCRA), bureaus generally have 30 days to investigate the dispute and remove any items proven to be inaccurate. (More on that later.) But how long does it take from start... Read More
During times when people need cash, they can get pretty desperate. Especially if they aren’t sure if they have any skills or own anything valuable to sell. But we all hear how good credit opens doors, and, if you’re one of the privileged few who has a high credit score, it might be tempting to try to... Read More
You found an error on your credit report and tried to correct it. You might have even spent hours on the phone to get ahead of it. But then, what seemed like a straightforward appeal to you, was nixed and your dispute got denied. Now what? Does it mean you have to live with a ding in your credit... Read More
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