Woman Is Sent 300 Credit Reports By Accident

Identity Theft

Woman Is Sent 300 Credit Reports By Accident

Woman Is Sent 300 Credit Reports By Accident

A woman in Maine came home to a funny sight earlier in March when her mailbox was stuffed with more than 300 envelopes, each containing a credit report. Here’s what’s not so funny: None of them belonged to her. Katie Manning contacted a local news station (WGME 13 TV in Portland, Maine) after she realized she… Read More

The Most Important Dates on Your Credit Report

Credit Score

The Most Important Dates on Your Credit Report

The Most Important Dates on Your Credit Report

If you’ve reviewed your credit reports recently you’ve no doubt seen many dates — many, many dates. Some are more important than others. And some are absolutely critical. A Credit.com reader asks: What’s the difference between Date Opened, Date Reported, Date of Last Payment, etc.? There are two reasons why dates on your credit reports… Read More

Do All Credit Checks Hurt My Credit?

Credit Score

Do All Credit Checks Hurt My Credit?

Do All Credit Checks Hurt My Credit?

If you check your credit scores regularly — and experts recommend you do — it can be a little scary to hear that credit inquiries can damage your credit. That’s a little like telling someone who is trying to improve their physical health that stepping up on the scale carries health risks. (And that’s not just because… Read More

When’s the Right Time to Pull My Credit Reports?

Credit 101

When’s the Right Time to Pull My Credit Reports?

When’s the Right Time to Pull My Credit Reports?

A close friend recently asked me for advice about reviewing her credit reports and credit scores. A few years ago, when she got a mortgage, her scores were very good — in the 800s — but she has since had a run-in with a department store card that she fears may have had a negative impact on her credit. So… Read More

7 Credit Score Myths That Will Still Surprise You

Credit Score

7 Credit Score Myths That Will Still Surprise You

7 Credit Score Myths That Will Still Surprise You

Surprise! Consumers are still confused about what goes into a credit report and a credit score. Given how opaque these things were for such a long time, it’s entirely predictable that confusion reigns. It’ll be that way for a while. Credit bureau TransUnion recently released a survey with more proof that the mythology built up… Read More

Do Genetics Influence Your Credit Score?

Credit Score

Do Genetics Influence Your Credit Score?

Do Genetics Influence Your Credit Score?

There is the standard list of factors that influence your credit score: payment history, outstanding balances, the types of credit that you use and so on. But what you probably don’t realize is that your genes may also play an important role. Yes, your biological wiring might make you more likely to be more risk-seeking… Read More

Your Biggest Credit Report Complaint May Be Getting Fixed

Credit 101

Your Biggest Credit Report Complaint May Be Getting Fixed

Your Biggest Credit Report Complaint May Be Getting Fixed

Today the three major credit reporting agencies — Equifax, Experian and TransUnion — agreed to a settlement with the New York Attorney General’s office to overhaul the national credit reporting process to better serve Americans. The agreement includes changes to the credit report dispute process, how some negative information can appear on credit reports and… Read More

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