What Happens if I Never Check My Credit Report?

Credit 101

What Happens if I Never Check My Credit Report?

What Happens if I Never Check My Credit Report?

There’s no good reason to make your life more difficult, but that’s exactly what can happen if you never look at your credit report. Pulling your credit report may not be the most exciting thing on your to-do list, but it’s easy and it’s free. Not to mention that if you never take the time to review… Read More

5 Ways to Get Things Off Your Credit Report

Credit Score

5 Ways to Get Things Off Your Credit Report

5 Ways to Get Things Off Your Credit Report

Negative information on your credit can be extremely frustrating. You know it’s not good, and you just want it to go away. Before you pull your hair out or spend thousands of dollars trying to repair your credit, you’ll want to understand the ways this kind of information can be removed from your reports. First,… Read More

What Really Happens If I Bounce a Check?

Managing Debt

What Really Happens If I Bounce a Check?

What Really Happens If I Bounce a Check?

Most people know they shouldn’t bounce checks: It can be embarrassing, not to mention expensive, because returned checks or bank account overdrafts often result in fees. That may not seem too bad, but if they’re not dealt with, bad checks can cause you a lot of problems. Bouncing Into Debt Checking accounts and credit usually… Read More

Free Credit Reports: What’s the Catch?

Credit 101

Free Credit Reports: What’s the Catch?

Free Credit Reports: What’s the Catch?

Consumers are entitled to a free annual credit report from each of the three major credit reporting bureaus — Equifax, Experian and TransUnion. AnnualCreditReport.com is the place to go for those reports. A lot of companies offer free credit reports on a trial basis or as part of a paid product, like credit monitoring. Those… Read More

Who Owns Your Credit Data?

Credit Score

Who Owns Your Credit Data?

Who Owns Your Credit Data?

At this point, we’re used to the idea that companies collect information about us and use it to tailor advertising and all sorts of things we see in our social media feeds. It’s difficult to characterize how much data Internet users generate and how all that information is used, but there’s one thing of which… Read More

Where Did Credit Reports Come From?

Credit 101

Where Did Credit Reports Come From?

Where Did Credit Reports Come From?

We may be in an age of Big Data, but collecting information on consumers is nothing new. Credit reporting goes back to the late 1800s, when it was just a couple of guys going from door to door, asking merchants to describe the customers who had credit at their stores. The technical, sometimes-long files we… Read More

Even God Has Credit Problems

Credit Score

Even God Has Credit Problems

Even God Has Credit Problems

God lives in Brooklyn. No, really. God Gazarov, New York resident, has been in the news lately because of a lawsuit over his credit history. Gazarov says credit reporting agency Equifax doesn’t accept his first name as legitimate, and, as a result, it falsely reports that he has no credit history. He said that snag… Read More

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