Posts Tagged ‘credit reports’

It’s imperative for any consumer to thoroughly look through their credit report on a routine basis—at least once a year at an absolute minimum. Not only should you monitor your credit overall, but you’ll want to look carefully at the individual items on your credit report and see what it is exactly that is affecting […]

Public records—which are issued by federal, county, and state governments—are legal documents that anyone can access. Some public reports can appear on your credit report, and as a result, can have a negative effect on your credit score while they’re there (usually seven to 10 years, depending on the item). The following are the examples […]

Looking to save some extra money? Cutting down on services or eliminating purchases for items that you can get at no cost is one of the easiest ways to save a little more cash. The following are some examples of things that a lot of people pay for, but that you can get at no […]

  A lot of things significantly depend on what your credit report says—decisions about housing, loans, and sometimes even jobs. A credit report includes information about credit accounts and loan history, but these are some credit report facts that many people are surprised to learn: Paid accounts might not appear on your credit report While […]

If you’re trying to bounce back from a bad credit score, you may have heard that responsibly using a credit card is one of the best ways to help build your credit back up. But if you’re like a lot of people who are trying to improve their credit, you may want to just avoid […]

  Have you noticed that your credit score has dropped and you just can’t figure out why? Missing loan payments may be an obvious reason, but the following are some other reasons why your credit score may have suddenly dropped: Hard credit inquiries Applying for a line of credit—such as a credit card, mortgage, or […]

The option to freeze a credit report has been made available to consumers as a way to stop a credit reporting bureau from releasing your personal credit information and history without your permission. Commonly known as a security freeze, this is usually done when a consumer suspects that he or she is at a high […]

Wills and estate plans are not just for the wealthy, and plans for retirement are not just for older individuals. The following are five important financial documents that everyone should have. Like a lot of people, you may still be procrastinating on some (or all) of these documents. However, it is crucial to act quickly to […]

Because your credit is run and it is affected each time you apply for any type of loan, including a credit card, you want to ensure that you don’t waste an inquiry on a rejected application. Although there’s no surefire way to guarantee your credit application will be approved, there are ways to improve the […]