A Step-By-Step Guide to Disputing Credit Report Mistakes

Credit Score

A Step-By-Step Guide to Disputing Credit Report Mistakes

A Step-By-Step Guide to Disputing Credit Report Mistakes

The information in your credit reports is what’s used to create your credit scores, so you don’t want to let mistakes on your credit reports potentially throw your credit scores out of whack. An FTC study released today shows that one in five consumers have errors on their credit reports and 5% of consumers have errors serious... Read More

The Ultimate Credit Report Cheat Sheet

Credit 101

The Ultimate Credit Report Cheat Sheet

The Ultimate Credit Report Cheat Sheet

You know you’re supposed to check your credit reports regularly, but you might not know what to look for once you have the report in front of you. Credit reports are lengthy, detailed documents that aren’t always easy to understand. But if you want to stay on top of your credit, you need to know... Read More

How Much Will One Late Payment Hurt Your Credit Scores?

Credit Score

How Much Will One Late Payment Hurt Your Credit Scores?

How Much Will One Late Payment Hurt Your Credit Scores?

You open your credit card statement and discover you forgot to make last month’s payment. Or you get a call from a collection agency about a medical bill you didn’t realize hadn’t been paid. Or you check your credit reports and discover a late payment is marring your otherwise perfect payment history. How bad is... Read More

8 Rules of an Effective Credit Report Dispute Letter

Credit 101

8 Rules of an Effective Credit Report Dispute Letter

8 Rules of an Effective Credit Report Dispute Letter

Discovering and resolving mistakes on credit reports can be complicated. We often hear from users of our Credit Report Card who’ve noticed a sudden drop in their credit score accompanied by an unexplained delinquency. That leads to more digging and finding an error on one or more of their three bureau credit reports. That’s where... Read More

What’s Really in Your Credit Report?

Credit 101

What’s Really in Your Credit Report?

What’s Really in Your Credit Report?

You probably have it in your head that your credit report is “good” or “bad.” But with credit reports, beauty is in the eye of the beholder. The credit report itself is just a compilation of facts about your financial habits and it is, in fact, judgment-free. It’s up to lenders, insurance companies or others... Read More

What’s a Credit Score? Really.

Credit 101

What’s a Credit Score? Really.

What’s a Credit Score? Really.

“Do you know your credit score?” It’s a question you probably hear from time to time, and if you don’t know the answer, it can feel unsettling. It feels like people are talking about you, you don’t know what they are saying, but you know it could be bad. It’s like the worst part of... Read More

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