If you have an item on your credit report that you are not please with or think it is on there unjustly, you can consider adding a 100 word statement.  This is one of your credit rights.  The 100 words are there for you to tell your side of the story.  But the question is [...]

Category: Credit RightsTags: 100 word statements | Comments (4)

If you have been around the TV in the last few years more than likely you are familiar with the FreeCreditReport.com commercials.  They get with you a catchy tune that most people know.  A parody has been made by the real free credit report site, AnnualCreditReport.com.

The strings attached line is a direct reference to FreeCreditReport.com’s [...]

Category: Credit Monitoring, Credit Report, Credit Rights, Fair CreditTags: Annual Credit Report, Credit Monitoring, Free Credit Report.com | Comments (11)

A comment on a previous post about the credit score scale a commenter asked the question what credit score do employers check?  This prompt a complete research of what I believed was the answer but needed some verification.  The answer is employers actually do not check your credit score, they check your credit reports.
The rules [...]

Category: Credit Report, Credit Rights, Featured, InquiriesTags: background checks, Employment | Comments (0)

What role does your credit score play in your active accounts?  Credit Karma has a chart on their website that is a basic way to see how your credit card limits and credit score interact.
The relation between your credit card limits and credit score is actually more interdependent.  Your credit score utilization is found by [...]

Category: Credit Score, UtilizationTags: credit card limits | Comments (5)

It there really such a thing as a perfect credit score?  An 850 credit score usually is the idea of a perfect credit score.  The idea is almost hard to even think about.
A credit score is one of those things that the top number seems to never be achieved.  It is almost like the Japanese [...]

Category: Credit ScoreTags: Perfect Credit SCore | Comments (5)

The question when looking for a credit score quick fix is how long do you got?  You need to remember that your credit score is based on your credit report.  If you are looking for a credit score quick fix then your credit report is going to need to change.
Another aspect to consider is that [...]

Category: RebuildingComments (0)

Paying late could be one of the worse things you could do to hurt your chances of getting a good credit score.  Late payments effect your payment history which is the largest part of your credit score.  But there are several other areas of your life it could effect.
First is the money you will lose [...]

Category: Late Payments, Payment HistoryTags: account history, Late Payments | Comments (3)

If you wondering how to raise a credit score or trying to repair your credit, the common method often discussed is to get negative information removed from your credit report or not have it any to be reported.  Another less practiced method is to get positive information reported.
Your accounts are not required to report their [...]

Category: UncategorizedComments (0)