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Credit Bureaus

How to Handle Common Credit Report Errors

Credit Karma | Posted 08.29.2014 | Money
Credit Karma

Last year the Federal Trade Commission found that one in four consumers had errors on their credit reports that could affect their scores.

What is FICO® Score 9? What does it mean for your credit score?

Jeanne Kelly | Posted 08.20.2014 | Money
Jeanne Kelly

There's been numerous news headlines and talk in the personal finance realm recently about the new FICO scoring system and I've been getting lots of q...

Spring is In The Air, Time to Declutter Your Credit!

Jeanne Kelly | Posted 06.01.2014 | Business
Jeanne Kelly

Spring is such a wonderful time of year! The weather warms up, flowers start to bloom, and farmers markets are suddenly everywhere. All these pleasant...

4 Goal Setting Tricks When You're Working on Your Credit

Jeanne Kelly | Posted 11.05.2013 | Business
Jeanne Kelly

Keep the real reason in mind. What's the real reason you want to work on your credit? No, it's not so you can get a good credit score. That's a good reason and an important one but it's not the REAL reason.

On Your Credit, You Should Sweat the Small Stuff

Jeanne Kelly | Posted 10.30.2013 | Business
Jeanne Kelly

Our credit is so important and it requires an attention to detail. Although you should ignore some of the wrinkles in life, you should sweat the details in your credit.

How to Fix Errors on a Credit Report

Clark Howard | Posted 10.30.2013 | Small Business
Clark Howard

Did you hear about the woman who sued Equifax for $18 million because they wouldn't fix errors on her credit report even after she diligently stayed on top of them for two years?

10 Steps to Help Erase Errors on Your Credit Report

MyBankTracker | Posted 10.06.2013 | Business
MyBankTracker

In order to avoid the headache of cleaning up your credit report due to inaccuracies, it would be beneficial to check your credit report with the three major credit bureaus (Equifax, TransUnion and Experian) annually.

What to Do When a Loved One Dies

Jason Alderman | Posted 08.26.2013 | Business
Jason Alderman

Whether it's expected or accidental, the death of a loved one can shake you to the core. The last thing you'll want is to have to interrupt grieving to deal with mundane tasks, but unfortunately there are many actions that must be done on behalf of the deceased.

Should You 'Freeze' Your Credit Reports?

Jason Alderman | Posted 07.01.2013 | Business
Jason Alderman

Before you go to the trouble and expense of doing a credit freeze, you should understand how the process works and be aware of several inconveniences you might experience.

Does Rate Shopping Hurt Your Credit? An Interview With the Experts (Part 1)

Jeanne Kelly | Posted 04.23.2013 | Business
Jeanne Kelly

It makes sense to shop around for the lowest possible interest rate you can qualify for. However, consumers are also aware that inquiring too many times on a loan can have a negative impact on your credit scores (ultimately increasing the interest rate that you pay!)

In the Public Interest: Senator McConnell Says We Shouldn't Have a CFPB At All

Ed Mierzwinski | Posted 06.22.2013 | Business
Ed Mierzwinski

What are some of the protections we wouldn't have at all, if Senator McConnell and Wall Street have their way and we didn't have a Consumer Financial Protection Bureau at all?

Are You One of the 52 Million Who Have Errors on Their Credit Report? Here's How to Fix Them

Jeff Hindenach | Posted 05.11.2013 | Business
Jeff Hindenach

Last month, the Federal Trade Commission released a new study that found a whopping 26 percent of people identified at least one error on their credit report. And it wasn't just people crying wolf.

The Price Tag for Credit Report Errors

Ellen Schloemer | Posted 04.21.2013 | Business
Ellen Schloemer

Extrapolating that 5 percent to the 200 million Americans with a credit history means that 10 million Americans are paying more for loans than they should. How much are these folks overpaying?

To Correct My Credit Report, I Had to Prove I Was Not Someone Else

Christopher Lamb | Posted 01.28.2013 | Money
Christopher Lamb

I then contacted TransUnion's corporate office and got in touch with someone who understood what was clearly obvious. The matter was resolved a week later. Kind of. My credit score increased to nearly 800. But the false judgment remained on my credit report.

10 Things Credit Scores Don't Tell You

SmartMoney | ANNAMARIA ANDRIOTIS | Posted 07.30.2012 | Money

SmartMoney: The truth behind the numbers that can determine your financial fate. 1. "You may never know your real score." Roughly 200 million...

You Might Be Taking a Vacation This Year But Your Credit Score Isn't!

Jeanne Kelly | Posted 06.27.2012 | Money
Jeanne Kelly

Imagine your shock if you return from vacation only to discover that while you sipped lemonade on the hot sand, your credit score steadily ticked downward. It happens more often than you think.

Why You Need to BORROW Money to Improve Your Credit Score

Jeanne Kelly | Posted 06.18.2012 | Money
Jeanne Kelly

So how do you have debt and manage it responsibly to build up a history of good borrowing? Here are two things to know.

Tax Returns: What Will You Do With Found Money?

Jeanne Kelly | Posted 05.17.2012 | Money
Jeanne Kelly

Many Americans will be getting tax refunds from the government, and tax refunds are "found money" -- money you forgot was yours. It's as if the government lifted up your couch cushions and found a few hundred dollars.

How to Hit a Home Run on Your Collections Debt

Jeanne Kelly | Posted 04.14.2012 | Money
Jeanne Kelly

If you have credit problems and you're facing those annoying calls by collections agents, here's how you can hit a home run to clear those accounts off of your credit report and improve your credit score.

Inquiring About Inquiries: How to Master the Art of Asking for Money

Jeanne Kelly | Posted 03.22.2012 | Money
Jeanne Kelly

An inquiry is when YOU ask for your credit to be pulled. So if you go for a mortgage or a car loan or a new credit card or a line of credit, you authorize your credit to be pulled and that is a considered to be an "inquiry" by the credit reporting agencies.

6 Easy Ways to Deter Identity Theft

Jeanne Kelly | Posted 03.12.2012 | Money
Jeanne Kelly

Identity theft has more far-reaching consequences than simply tarnishing our name; it can cause the financial system to turn on us by saddling us with debt that we did not incur! Here are six easy ways to deter identity theft.

It's the Start of Your Journey Toward Better Credit

Jeanne Kelly | Posted 12.30.2011 | Business
Jeanne Kelly

If part of your journey this year includes traveling toward better credit, take a moment now to decide how to make it a successful trip for you.

Credit Card Stolen? Here's What You Do

Jason Alderman | Posted 02.21.2012 | Business
Jason Alderman

It's always good to know what to do in case lightening does strike and someone fraudulently uses your card. Left unchecked, they might try to run up bills, drain your checking account or worse -- steal your identity.

5 Credit Tips to Help First Time Homebuyers Get a Mortgage

Jeanne Kelly | Posted 11.17.2011 | Business
Jeanne Kelly

If you're an aspiring first-time homebuyer, start working on improving your credit rating right now so that when it's time for you to find a home, you'll have no trouble finding a mortgage.