Credit History

Check Credit Score

Ways to Monitor Your Credit Score Effectively: a Guide

Updated: September 9, 2020 Let us introduce our friend Joe. Joe thinks that just because he has good credit habits today his credit is fine. He doesn’t monitor his credit score as often as he should. Unless he’s applying for a credit card or a loan, he thinks those three digits aren’t important. Unfortunately, when Read more

Reading a Credit Report

Finally Understand How to Read a Credit Report

Updated: September 3, 2020 Note!!! Due to the COVID-19 outbreak, Experian, TransUnion, and Equifax offer free weekly credit reports through April 20, 2021. Reading a credit report can be intimidating. It holds all of your reported credit history for the last seven to ten years. That’s a lot of information to process and it is Read more

When Disputing Credit Report What Is Best Way

A Guide on How to Dispute Credit Report Errors and Win

Updated: August 3, 2020 Credit report errors can cause further problems and delays when obtaining credit in the future. You may notice a small mistake on your report but don’t hesitate to have it corrected straight away. If you choose to ignore these mistakes you can run into bigger difficulties in the application process for Read more

Pay off Debt

Know How to Pay off Debt to Improve Credit Score

Updated: July 13, 2020 One of the most significant factors of any financial situation is debt. Debt can be broken down into whether you have it; how much you have; and what kind you’re carrying. Each of these influences your credit score in different ways. Understanding how debt affects your credit score can guide your Read more

Remove Collections from Credit Report

4 Ways to Remove Collections from Credit Report

Updated: June 15, 2020 Debt collections are a result of having unpaid debts for several months. Your creditor will pass your account onto a debt collector and part of their job is to show this debt on your credit report, which won’t be doing your credit score any favors. There are a number of possible Read more

Improve Credit Score

Raise Credit Score Fast with These Moves

Updated May 31, 2020 Sometimes we make mistakes that affect our credit score. You may have accidentally missed a payment deadline, or opened a new credit card too soon after the last one. The result is that your credit score is no longer perfect. Rebuilding your score takes time. It takes patience to see the Read more

3 Credit Bureaus

The Largest 3 Credit Bureaus: How They Work

Last Updated: April 24, 2020 Note: During the coronavirus outbreak, the 3 credit bureaus allow you to get credit reports for free once a week! A credit bureau, also known as a credit reporting agency, stores, compiles, and evaluates your credit history. Credit bureaus hold information about your payment patterns, balances owed, and how you Read more

What Affects Your Credit Score

What Affects Your Credit Score: the Biggest Factors

Updated: June 11, 2020 Name one thing that affects your finances, your ability to rent an apartment, your car insurance, and your future job? If you said your credit score, you’d be right. Your credit score is critical if you want credit cards, a loan, or a mortgage. It is just as important in determining Read more