iOS app Android app

Credit Report

Protecting You From Credit Report Errors, Unreliable Scores

Pamela Banks | Posted 04.15.2014 | Business
Pamela Banks

Aleta from Mena, Arkansas, has had a hard time getting a decent rate on a car loan all because of a mistake on her credit report. The problem started...

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

Jeanne Kelly | Posted 04.02.2014 | 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...

Watch Out: These 5 Forgotten Items May Blow Up Your Credit

Glen Craig | Posted 03.28.2014 | Money
Glen Craig

You're probably watching obvious items like your credit cards, and making payments on time, but there might be some forgotten items causing problems with your credit, and dragging down your score.

How Your Credit Score and Credit Report Are Examined by Lenders

MyBankTracker | Posted 04.02.2014 | Money

Knowing the difference between a credit score and credit report can help you make the right financial decision when it comes to applying for lines of credit, and can also help you get better interest rates on loans.

Training to Win: Learning How to Fall

Jeanne Kelly | Posted 02.21.2014 | Money
Jeanne Kelly

As I was watching the Olympics this past weekend, I was constantly struck by the skill, grace, and pure talent each competitor exhibited. However, as ...

5 Simple Steps to Protect Yourself From the Target Data Breach

Chris Wang | Posted 03.23.2014 | Money
Chris Wang

This past month has been an unwelcome reminder that identity theft is on the rise. Target and Neiman Marcus are the two high profile retailers whose networks were breached over the holiday season; however, at least three other well-known smaller U.S. retailers were breached.

My Top 5 New Year's Credit Goals

Jeanne Kelly | Posted 03.17.2014 | Money
Jeanne Kelly

A new year feels like a new beginning, and the tradition of making resolutions solidifies that notion. Adopt these three resolutions to control your financial stress, and make 2014 the year of swollen saving accounts!

Tips To Persevere When Working On Your Credit

Jeanne Kelly | Posted 02.10.2014 | Money
Jeanne Kelly

Healthy credit is such a reward... but sometimes you have to get through the details (and sometimes even a hard phone call or two) to get that reward.

The 4 Judgements Every Lender Makes Based On Your Credit | Posted 02.04.2014 | Business

Many people believe that the decision-making process for creditors boils down to just one thing: the credit score. Here's the thing, though: Credit scores are really nothing more than a naturally occurring byproduct of the financial lives we live.

5 Habits That Can Wreck Your Credit | Posted 11.25.2013 | Business

Habits are those activities we do unconsciously because we've done them so many times before. We're not even fully aware when we're doing them, and then the results tend to pile up unseen. Of course, credit is one of those things that can suffer from bad habits. So let's take a look at five bad habits that can wreck your credit.

5 Seemingly Harmless Things That Can Hurt Your Credit | Posted 11.19.2013 | Business

"Mom," my daughter said as she stood by my desk recently waiting for one of her homework assignments to print from my computer, "Did you pay this bill? It was due Oct. 4." She asked me this on Oct. 14. And no, I hadn't paid it.

Simple Ways To Raise Your Credit Score

Simple. Thrifty. Living. | Posted 01.23.2014 | Business
Simple. Thrifty. Living.

If you're like most people, the recession took a toll on your finances and probably your credit score. So how do you get it back to where it needs to be? There are a couple quick and simple ways to you can raise your credit score now.

3 Myths We Still Believe About Credit Scores

Bethy Hardeman | Posted 11.11.2013 | Business
Bethy Hardeman

Credit scores are just one thing we can't seem to get right. In fact, a recent survey found that many of us are still confused about them. This confusion can have a significant impact on our financial future. A good credit score can save you a lot of money in the long run, but a poor score will cost you a pretty penny.

Do Credit Repair Services Really Work?

Simple. Thrifty. Living. | Posted 12.28.2013 | Business
Simple. Thrifty. Living.

Credit repair is not a guaranteed fix of your credit score, but if you go in knowing the risks and pick a company with a good reputation and money-back guarantee, you can hopefully avoid being burned.

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 Mariano Rivera Can Help You Hit a Home Run With Your Credit

Jeanne Kelly | Posted 10.03.2013 | Business
Jeanne Kelly

As an avid Yankees fan, I'm very sad to see Mariano "Mo" Rivera retire after 19 seasons in major league baseball. But I'm excited by the lessons we can all learn from him and how they can help you improve your credit.

4 Fears That Might Be Holding You Back From Cleaning Up Your Credit

Jeanne Kelly | Posted 10.31.2013 | Business
Jeanne Kelly

If you want to improve your credit (which you should!), then one of the first things you'll need to do is overcome your fears. Start with these fears and address any others that may come up.

7 Steps to Deal With HR Looking at Your Credit Report

Adam Levin | Posted 11.19.2013 | Business
Adam Levin

If a prospective employer is looking at your credit report, how do you deal with it? What if they see something bad? What to do? First, don't panic. Next, consider these tips.

It's Back-to-School Time. Are Your Kids Credit Ready?

Jeanne Kelly | Posted 09.10.2013 | Business
Jeanne Kelly

While your children are learning in school, you should take the opportunity to teach them about the one thing that they need to know but that schools don't teach them -- credit habits.

3 Blunders People Make Trying to Improve Credit Scores

Neal Frankle | Posted 11.06.2013 | Business
Neal Frankle

Of course it's important to do what you can to bump up your credit score. But many people use the wrong tools towards that objective even though they have the right motivation. And when they do, they actually worsen their credit rating rather than improve it.

What Is the Optimal Credit Score?

Simple. Thrifty. Living. | Posted 11.02.2013 | Business
Simple. Thrifty. Living.

Truthfully, the highest credit score is not the score you should be shooting for. The whole point of a credit score is to get you the best rates and credit limits when you are applying for loans and credits. While it seems like the highest score would get you the best rates, you actually don't even need to aim that high.

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

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.

Woman Wins HUGE Lawsuit After Company Messes Up Her Credit Report

AP | Posted 09.26.2013 | Business

PORTLAND, Ore. (AP) — A federal jury in Oregon awarded $18.6 million to a woman who spent two years unsuccessfully trying to get Equifax Information...

"I Have Limited Funds and a Lot of Debt -- What Should I Do First?"

Jeanne Kelly | Posted 07.24.2013 | Business
Jeanne Kelly

If money is still tight and you're not able to pay all of your bills in full and on time then you might need to revisit your financial commitments. There are many other debt and financial experts out there who can speak to this -- my focus is on credit scores.