Credit Score

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How Your Cellphone Can Help You Build Credit

How Your Cellphone Can Help You Build Credit

How Your Cellphone Can Help You Build Credit

Mobile alerts from your credit card issuer can do much more than alert you to possible fraud. You can use that information to help you improve your credit. First, a word about how credit scores work. The two biggest factors are paying on time (35%) and the amount of credit you use relative to your… Read More

The Change That Could Give Millions of Americans a Better Credit Score

The Change That Could Give Millions of Americans a Better Credit Score

The Change That Could Give Millions of Americans a Better Credit Score

Millions of consumers could be lifted out of subprime status and get better loan terms if credit reports and scores were broadened to consider on-time utility and rent payments, according to a study released Wednesday by Experian. Experian is advocating for inclusion of non-traditional entries onto consumer credit reports, expanding them beyond loans, credit cards… Read More

5 Things You Can Finally Do Once Your Credit Improves

5 Things You Can Finally Do Once Your Credit Improves

5 Things You Can Finally Do Once Your Credit Improves

Where was your credit in the spring of 2008? For many people it was teetering on the edge of solvency, about to plummet into the deep hole known as the Great Recession. By the end of the following year, 2009, mortgage delinquencies would climb to almost 7%, according to data by TransUnion. Credit card late… Read More

How Fast Can a Secured Credit Card Improve My Credit?

How Fast Can a Secured Credit Card Improve My Credit?

How Fast Can a Secured Credit Card Improve My Credit?

If you’re trying to build credit for the first time or improve a credit score damaged by past financial problems, you may have heard advice about using a secured credit card. Using a secured card can be an effective way to establish a positive credit history, but it’s not a one-size-fits-all strategy. For some consumers,… Read More

Do Too Many Free Credit Scores Confuse Consumers?

Do Too Many Free Credit Scores Confuse Consumers?

Do Too Many Free Credit Scores Confuse Consumers?

Credit scores and credit reports have been somewhat of a mystery to the public for decades, but now U.S. consumers are gaining unprecedented access to them. The new transparency is undoubtedly positive, but a critical question remains: Will it help consumers, or just confuse them? The Consumer Financial Protection Bureau announced Thursday that some 50… Read More

How Do I Get a Dispute Off My Credit Report?

How Do I Get a Dispute Off My Credit Report?

How Do I Get a Dispute Off My Credit Report?

Sometimes doing what you think is the right thing can have consequences you never intended. Shane, one of our readers, wanted to be sure his credit was in top condition before applying for a loan. He checked his credit reports, noticed an inaccuracy, and he disputed it. And then he applied for a loan. And… Read More

Is a Credit Report Error Costing You Money?

Is a Credit Report Error Costing You Money?

Is a Credit Report Error Costing You Money?

Your credit report could contain material errors. These are mistakes that other people make but you ultimately to pay for — and left uncorrected, you may end up paying for those errors for years and years. According to a recent Federal Trade Commission report, one in five people have flawed credit reports. Not all of… Read More

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