4 Unexpected Items That Can End Up on Your Credit Reports

Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

4 Unexpected Items That Can End Up on Your Credit Reports

You may already know the common items that appear on your credit reports, like personal identifying details as well as the debts you hold, payments you’ve made and hard inquiries generated whenever you fill out an application for credit with a lender. But knowing all that, you could still find surprises on your credit report. Even if... Read More

6 Ways You Can Wreck Someone Else’s Credit

Credit Score

6 Ways You Can Wreck Someone Else’s Credit

6 Ways You Can Wreck Someone Else’s Credit

You do a lot to make sure your credit is in decent shape. More often than not, you’re paying your bills on time and you do your best to keep your debt utilization ratio where it should be (experts recommend keeping your debts at 30%, ideally 10%, of your total credit limit). So, when you... Read More

It’s Divorce Season: Here’s How to Keep Good Credit While Splitting

Credit 101

It’s Divorce Season: Here’s How to Keep Good Credit While Splitting

It’s Divorce Season: Here’s How to Keep Good Credit While Splitting

No one ever said divorce would be easy, especially when it comes to your finances. But if you’re contemplating a break, hired an attorney or just got served papers, managing your credit should be of utmost importance to you. Your finances, like your personal situation, are going to change, and you’ll need to protect them to secure... Read More

My Credit Reports Are the Same, So Why Are My Scores Different?

Credit Score

My Credit Reports Are the Same, So Why Are My Scores Different?

My Credit Reports Are the Same, So Why Are My Scores Different?

Thanks to the Fair Credit Reporting Act, you’re likely familiar with the three major credit reporting agencies — Equifax, Experian and TransUnion. And you’ve also likely deciphered that you have more than one credit report, given that laws entitle folks to a free one from each bureau every year. (You can get these reports over at AnnualCreditReport.com.) You... Read More

The Collection Account That Just Won’t Die

Credit 101

The Collection Account That Just Won’t Die

The Collection Account That Just Won’t Die

You didn’t pay a bill because you were unemployed. You moved and never received a medical bill because your mail forwarding didn’t quite work as planned. Or maybe you were just running short on cash and decided to not pay that outstanding utility bill when you moved (don’t do this!). Whatever the case, it was... Read More

6 Universal Truths About Credit Reports

Credit 101

6 Universal Truths About Credit Reports

6 Universal Truths About Credit Reports

Credit reports: They’re complicated. You can’t really argue with that sentiment: They are long and often unwieldy; there are three major versions of them, and they can affect more facets of your life — like, say, your ability to get certain jobs — than you may think. Fortunately, there are some things that are true, no matter... Read More

3 Ways You Can Have Bad Credit Without Realizing It

Credit Score

3 Ways You Can Have Bad Credit Without Realizing It

3 Ways You Can Have Bad Credit Without Realizing It

You pay your bills on time, keep those credit cards in check and only apply for new credit when you really need it. There’s every reason in the world you should have a stellar credit score. And yet … One of the reasons you hear “check your credit” so often is that there are ways things can... Read More

Can a Debt Collector Restart the Clock on My Old Debt?

Managing Debt

Can a Debt Collector Restart the Clock on My Old Debt?

Can a Debt Collector Restart the Clock on My Old Debt?

You have a very pleasant phone call with a debt collector. The person begs you to send in a just a small sum, say $10, to settle the payment and promises to never bother you again. Suddenly, you get a new bill with the date of the collection account reset to the current date. Is it... Read More

Can I Fix My Credit in 30 Days?

Credit Score

Can I Fix My Credit in 30 Days?

Can I Fix My Credit in 30 Days?

If you’ve got a less-than-stellar credit score and are looking to apply for a loan, chances are you’re going to want to fix those numbers fast. And you just might be able to do it — depending, of course, on what’s weighing your credit down. Dealing With Disputes Under the Fair Credit Reporting Act, once... Read More

6 Times Your Credit Report Is More Important Than You Think

Credit 101

6 Times Your Credit Report Is More Important Than You Think

6 Times Your Credit Report Is More Important Than You Think

Credit reports play an important role in your life beyond the world of credit cards, mortgages and student loans. As you build a credit history, you’re developing a key component of your future that may affect your job, where you live and even the phone in your pocket. Loan officers and credit card companies aren’t... Read More

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