Friday 29 March 2013

Which Of The Following Is True About Credit Reports?

Are you a credit expert or do you need a refresher course? Find out with this quick quiz that will help you understand which of the following is true about credit reports.
1. It doesn’t matter how many credit card offers you apply for — especially if a store discount is involved!
False....
Which Of The Following Is True About Credit Reports?

Thursday 28 March 2013

What Are Good 800 Numbers For Credit Reports?

These days, many people prefer conducting business over the telephone rather than via the Internet or postal mail. Other Americans still do not trust the Internet to keep their private information safe and secure. While you can usually get virtually instant service by using the Internet, there...
What Are Good 800 Numbers For Credit Reports?

Wednesday 27 March 2013

What Are FTC Annual Free Credit Reports?

The Federal Trade Commission is a consumer watchdog organization and part of the federal government. In the last decade or so, department officials have become especially concerned about the increasing problems with identity theft. As a result, consumers can now get FTC annual free credit...
What Are FTC Annual Free Credit Reports?

Tuesday 26 March 2013

How Long Does A Chapter 7 Bankruptcy Need To Remain In Credit Reports?

Filing bankruptcy is not an “easy way out,” especially since the enactment of reform laws in 2005. Chapter 7 is the closest available concept to a complete bankruptcy, but not all debts can be included in a case. A common question among people in financial trouble is just how long does a...
How Long Does A Chapter 7 Bankruptcy Need To Remain In Credit Reports?

Monday 25 March 2013

What Are Credit Bureau Dispute Letters?

Most Americans understand the basic concept of credit reports. Companies regulated by the federal government keep and release information regarding whether or not you pay your bills on time. Unfortunately, about 80 percent of American consumers have something inaccurately reporting on their...
What Are Credit Bureau Dispute Letters?

Friday 22 March 2013

What is the Best Credit Card for Rebuilding Credit Scores?

A common question among consumers is “What is the best credit card for rebuilding credit scores?” It is no surprise that it is asked so frequently as a credit card can be an effective tool for rebuilding a bad credit score. There is no single card such as an American Express, Master Card or...
What is the Best Credit Card for Rebuilding Credit Scores?

Wednesday 20 March 2013

Are Credit Scores Important to Employers and Landlords?

When considering the question “Are credit scores important to employers and landlords?” there are many points to consider. Yes, landlords and employers sometimes use a person’s credit score in determining their suitability, but they cannot access your credit score without your permission....
Are Credit Scores Important to Employers and Landlords?

Tuesday 19 March 2013

What Credit Bureau Numbers Should I Call For Help?

Some people prefer the convenience of conducting business over the telephone and thus request credit bureau numbers. But, in some cases you should send a certified letter to a credit reporting agency rather than calling or filing an online complaint. If you believe your credit report has...
What Credit Bureau Numbers Should I Call For Help?

Monday 18 March 2013

What Should My Credit Score Be to Lease a Mercury?

When considering leasing a Mercury, you may have many questions, but right now a credit score may not be tops on the list. In fact, you can probably lease a Mercury even with a credit score of around 618. There are a couple of reasons for this. Mercury was part of the Ford Motor Company, but it...
What Should My Credit Score Be to Lease a Mercury?

Sunday 17 March 2013

How You Can Improve Your Credit Score in the Next 90 Days

If you are searching online for quick ways to boost your credit rating, you probably fear high interest rates and even credit denials. Even if you have always made your bill payments on time, you still may need to discover how you improve your credit score in the next 90 days. Learning how to...
How You Can Improve Your Credit Score in the Next 90 Days

Friday 15 March 2013

What Should My Credit Score Be to Lease a Dodge?

You’re looking to lease a Dodge, and you want to know how high your credit score needs to be. While there are a number of factors that go into obtaining a lease, a credit score won’t be your biggest obstacle. In fact, if you show a history of paying your bills on time, you should be able to...
What Should My Credit Score Be to Lease a Dodge?

Thursday 14 March 2013

What Are Credit Reporting Bureaus In The USA?

While there are numerous credit reporting bureaus in the USA, the “big three” are Equifax, Experian, and TransUnion. Potential landlords, employers, insurance agencies, cell phone networks, utility companies, and lenders will usually check your credit standing with one or more agencies...
What Are Credit Reporting Bureaus In The USA?

Wednesday 13 March 2013

How Important Is The TransUnion Credit Bureau?

Some people are quick to dismiss the TransUnion credit bureau as irrelevant. But, an estimated 45,000 American businesses review information using TransUnion. The credit reporting agency also provides information in 31 additional countries. When considering your credit rating, do not dismiss...
How Important Is The TransUnion Credit Bureau?

Tuesday 12 March 2013

What is the Credit Score Range of FICO?

It is no wonder that the question “What is the credit score range of FICO?” is so common these days among consumers. FICO (Fair Isaac Corporation) are the company that developed the credit score, and theirs is the standard used by the credit bureaus. The system has been in use since the...
What is the Credit Score Range of FICO?

Monday 11 March 2013

What is Your Credit Score Range, and What Does it Mean?

When asked, “What is your credit score range,” you might think it is not as important as your actual credit score. The fact is that each of the three different credit reporting agencies – Equifax, Trans Union, and Experian – uses a different credit score range. Though each is similar to...
What is Your Credit Score Range, and What Does it Mean?

Friday 8 March 2013

What Credit Score is Needed for an Amazon.com Visa Card?

If you shop regularly at Amazon.com, the Amazon.com Visa card is well worth applying for. It is one of the better rewards cards on the market, and as such, standards for being approved are rather high. One of the best benefits of this card is that holders can redeem points as they earn them, you...
What Credit Score is Needed for an Amazon.com Visa Card?

Thursday 7 March 2013

When Does A Bankruptcy Come Off A Credit Report?

Bankruptcy is truly a last resort and can damage your credit rating for years to come. However, for people who use this legal tool properly bankruptcy offers a much-needed new financial start. Many people in financial trouble wonder just when does a bankruptcy come off a credit report.  The...
When Does A Bankruptcy Come Off A Credit Report?

Wednesday 6 March 2013

What Are Equifax Credit Report Dispute FAQs?

Equifax is one of the major credit reporting agencies in the United States and keeps track of whether you pay your bills on time. However, Equifax cannot legally report inaccurate or outdated information. If you believe your credit report is inaccurate, then you must dispute the information. The...
What Are Equifax Credit Report Dispute FAQs?

Tuesday 5 March 2013

What is a Good Credit Score to Qualify for a Home Loan?

When answering the question “What is a good credit score to qualify for a home loan,” there are several factors to consider. One thing is the lender who you are applying to. The major home loan or mortgage companies are Freddie Mac and Fannie Mae. Both of them require a credit score of at...
What is a Good Credit Score to Qualify for a Home Loan?

Monday 4 March 2013

The Benefits of Credit Score Monitoring Services

Most people hope to purchase a new home someday, but having even a marginally bad credit score can cost you tens of thousands of dollars of interest over the life of a 30-year mortgage. While becoming obsessed with your credit rating is probably not a psychologically wise idea, keeping track of...
The Benefits of Credit Score Monitoring Services