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Credit Reports

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.

Credit Check: What's Your Credit Score?

WiserAdvisor.com | Posted 08.27.2014 | Money
WiserAdvisor.com

Your credit score impacts a lot in your life, from buying a car to buying a house and even, sometimes, to getting a job. (Believe it or not, some employers check your credit report.) You owe it to yourself to know exactly what your credit score is, and how you can go about making it better.

5 Common Credit Myths

Credit Karma | Posted 08.05.2014 | Money
Credit Karma

I didn't know credit scores existed growing up. I didn't even open a credit card until the middle of my college years. When a friend opened her first card sophomore year of high school (at her grandmother's behest), I scoffed and laughed.

Happy Credit

Jeanne Kelly | Posted 07.25.2014 | Money
Jeanne Kelly

I'm sure that like many people, the thought of looking at your credit may be a scary one but according to Happy Coach Keryl Pesce, "a funny thing happ...

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...

The 4-Letter Word That Can Ruin Your Credit

Adam Levin | Posted 04.29.2014 | Money
Adam Levin

While access to credit enables us to carry these kinds of debts, they hurt our ability to gain more access to credit - so the big-screen television you buy today could well be the one thing that prevents you from getting a mortgage on the perfect house next year.

5 Seemingly Harmless Things That Can Hurt Your Credit

Credit.com | Posted 11.19.2013 | Business
Credit.com

"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.

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.

4 Surprising Reasons to Have Good Credit

Jeanne Kelly | Posted 10.30.2013 | Business
Jeanne Kelly

True. Good credit scores can help you qualify for money when you need it. That's a great reason and probably the best known of them all. But there are other reasons that you should seriously work on your good credit and some of these might surprise you.

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.

Avoid These 4 Credit Mistakes That Many New Graduates Make

Jeanne Kelly | Posted 06.06.2013 | Business
Jeanne Kelly

The credit habits and history you develop now can help you -- or they can hinder you -- for the rest of your life. Learn from these lessons and start this stage of your life on the best foundation!

Does Rate Shopping Hurt Your Credit? An Interview With the Experts (Part 2)

Jeanne Kelly | Posted 05.04.2013 | Business
Jeanne Kelly

Consumers face a "catch-22" situation when it comes to loans. On the one hand, it's important to shop around to get the lowest interest rate you can. On the other hand, there's the perception out there that shopping around for loans too much will hurt your credit.

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!)

Quarterly Check-up: The Fast, Easy Way to Better Credit

Jeanne Kelly | Posted 03.26.2013 | Business
Jeanne Kelly

Like your car or your body, your credit is something that needs a regular review so that it keeps getting healthier and doesn't "deteriorate" on you.

Romance and Credit Scores... Can the Two Co-Exist?

Jeanne Kelly | Posted 03.05.2013 | Business
Jeanne Kelly

Credit scores are based on how someone has historically handled credit. So although they won't be a perfect indicator of whether your new partner will be a good partner, a credit score can hint at their ability to manage responsibility, and whether they have habits that can hinder the relationship.

How Credit Scores Are Actually Created

Credit.com | Posted 04.30.2013 | Business
Credit.com

By Barry Paperno Have you ever wondered how they come up with a three-digit number that can predict whether you're a good or bad credit risk? Back i...

Bad Credit Shuts New Yorkers Out of a Job

Amy Traub | Posted 04.09.2013 | New York
Amy Traub

"I served in the military for 30 years and received the highest level security clearances," said Brooklyn resident and war veteran Emmett Pinkston. "Yet I was turned down for a job as a TSA baggage screener, because of a bogus charge on my credit report. I found myself stuck at a low paying job."

Beware of This Common Creditor Error

Jeanne Kelly | Posted 01.30.2013 | Business
Jeanne Kelly

One of my clients called me in a panic recently. He was reviewing his credit report and saw a credit item listed in collections that he didn't recognize. Had his identity been stolen? Was a creditor trying to pull a fast one on him? He wasn't sure what to do. Was his credit report rife with errors?

What Happens When Your Date Pops 'the Question'... the Credit Question?

Jeanne Kelly | Posted 01.07.2013 | Business
Jeanne Kelly

If you are sitting in your date's car after a romantic even of wine and roses, and they lean over to you and asks, "So, what's your credit score?"... What do you answer?

Why Santa Doesn't Know If You've Been Naughty or Nice

Jeanne Kelly | Posted 12.13.2012 | Money
Jeanne Kelly

This year, one of the best gifts you can give yourself for Christmas is an increasing awareness of identity theft. And it's so easy to happen in the hustle and bustle of the Christmas shopping season.

Four Credit Lessons Inspired From the Presidential Election

Jeanne Kelly | Posted 11.06.2012 | Money
Jeanne Kelly

In the weeks leading up to the election, we've seen a lot of press coverage -- both good and bad -- about each of the candidates. Obama's and Romney's campaigns can actually teach us some lessons about credit.

Oversight of Credit Agencies Long Overdue

Jimmy Dahroug | Posted 01.06.2013 | Money
Jimmy Dahroug

There is nothing wrong with credit agencies making a profit. They are private businesses. Yet without adequate oversight, these agencies have little incentive to ensure the accuracy of consumer credit reports.

Are You Haunted By These Credit Ghosts?

Jeanne Kelly | Posted 11.01.2012 | Money
Jeanne Kelly

When your doorbell rings, you might pretend to be scared by a group of kids wearing ghost costumes. And you'll hand out candy and have a lot of fun. But the ghosts you should really be scared of are the ones who never ring your doorbell... the credit ghosts!

4 Lessons to Teach Your Children About Credit

Jeanne Kelly | Posted 10.04.2012 | Money
Jeanne Kelly

Our schools play an important part in educating our children but they don't teach them everything. As parents, you will want to give your kids a head start in life by teaching them about credit before they leave the nest.

How Do Credit Scores Work in Other Countries?

Credit.com | Posted 07.31.2012 | Money
Credit.com

By the way, if you decide to relocate to one of the countries listed in this article, you'll have to start over and build a new credit rating there. Credit data from the U.S. is not shared internationally, or vice versa.