Can I Kick My Parents Off Our Credit Card?

Credit Cards

Can I Kick My Parents Off Our Credit Card?

Can I Kick My Parents Off Our Credit Card?

Sometimes, removing your name from your parents’ credit card (or vice versa) has its advantages. For starters — it’s kind of nice to handle your own bills without getting the glowering stink eye about your spending sprees on the card’s statement. And while you’re on the card, your credit is generally linked to your parents’ credit, so if your... Read More

A Simple Guide to the Different Kinds of Credit Bureaus

Credit 101

A Simple Guide to the Different Kinds of Credit Bureaus

A Simple Guide to the Different Kinds of Credit Bureaus

You may hear people talk about their credit report as if there is only one, coming from one source. But that’s just not the case. There are many credit reports and credit bureaus out there. When you review your credit, chances are that it is coming from one of the “big three” — Equifax, Experian... Read More

Can Alternative Credit Scores Hurt You?

Credit Score

Can Alternative Credit Scores Hurt You?

Can Alternative Credit Scores Hurt You?

We’ve written quite a bit on alternative credit scores at Credit.com over the years — and on how these non-traditional scores based on things like utility and rent payments can help consumers with “thin” credit files qualify for credit cards and loans. But can the opposite also be true? Can people who have healthy “traditional” credit scores be stymied... Read More

What Can You Dispute on a Credit Report?

Credit 101

What Can You Dispute on a Credit Report?

What Can You Dispute on a Credit Report?

One in five Americans have an error on their credit report, according to a Federal Trade Commission study from 2012, so it’s not unlikely you’ll discover one yourself at some point. These errors can range in severity, from misspelled names to fraudulent accounts that can damage your credit score. No matter what the problems are, don’t fret... Read More

John Oliver Got This Important Fact Right in His Credit Report Rant

Credit Score

John Oliver Got This Important Fact Right in His Credit Report Rant

John Oliver Got This Important Fact Right in His Credit Report Rant

Comedian John Oliver took credit reporting agencies to task on his HBO show, “Last Week Tonight,” on Sunday, saying the agencies should be more accountable for errors in reporting personal credit information for American consumers. “Credit reports. The basis for the single-most important three-digit number in your whole life, other than, of course, 311, the... Read More

Open Your First Credit Account

Credit Cards

Open Your First Credit Account

Open Your First Credit Account

Establishing credit in your own name is important and entities from mortgage and auto lenders to utilities companies and employers will use your credit history to weigh their decisions. For this reason, it’s important to have at least one credit account in your name to begin building a credit history. You may already have credit... Read More

Hollywood Video Collection Abuses Stopped

Credit Score

Hollywood Video Collection Abuses Stopped

Hollywood Video Collection Abuses Stopped

Imagine getting turned down for a mortgage or a credit card because once, ten years ago, you failed to make good on a video rental fee. Many consumers found themselves in just that situation after Hollywood Video went bankrupt in 2010, and a collection agency working on the company’s behalf tried to collect $244 million... Read More

Credit Report Mistakes? Here’s How to Fix Them

Credit Score

Credit Report Mistakes? Here’s How to Fix Them

Credit Report Mistakes? Here’s How to Fix Them

When you find a mistake on your credit report, the advice is always the same: dispute it. It is your right under federal law to dispute incorrect or incomplete information with both the credit reporting agency (or agencies) reporting the data, as well as with the furnisher—the issuing credit card company, auto lender or debt... Read More

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