Credit Reports & Scores
- Credit Monitoring Reviews (8)
- Credit Report FAQ (39)
- Credit Score Basics (11)
- Credit Score FAQ (21)
- Credit Score Factors (15)
- Free Credit Report & Score (16)
- Manage Credit Report (16)
- Vantage Score (5)
What is a Credit Report and Why is it Important?
Your credit report contains details about certain financial accounts. Many businesses pull your credit report to see whether to approve or deny various; applications.
How To Read And Understand Your Credit Report
Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.
10 Things That Appear on Your Credit Report
Some credit reports are thicker than some books. If you’ve never read a credit report before, it can be overwhelming. Knowing what types of things appear on your credit report can make it much easier to understan
6 People Who Check Your Credit Report
Your credit report contains information that many businesses use to make decisions about your payment habits. Here are some businesses that might check your credit report.
Understand Your Credit History
Your credit history plays a major role in getting new credit cards or loans at a good interest rate. Learn what makes up your credit history and how you can start building a good one.
How Can I Check My Credit
There are several different ways to check your credit - some free and some you must pay for.
The New FICO 08 Credit Scoring Formula
FICO (formerly known as Fair Isaac) updated its credit scoring model in January 2009 to better predict the likelihood that consumers will repay their credit bills. The new credit score called FICO 08 has been adopted by two of the three major credit bureaus.
How to Estimate Your FICO Score
Currently, there's nowhere to get a free FICO score, unless you sign up for some subscription service. Fortunately, there are ways you can estimate your FICO score for free if you know the information in your credit report.
How to Order Your Credit Score
Your credit score is a number that "grades" the information in your credit report. Banks use it to approve your application. You can order your credit score to find out how well your credit is doing.
Bad Credit, Bad Driver
Insurance companies use an insurance credit score to price your insurance premiums. Having a bad credit score will make your insurance rates rise.
The No-Credit Report and Score
It’s tough getting approved for loans and credit cards when you have little or no credit history. Payment Reporting Builds Credit, PRBC, maintains a history of your monthly bill payments and has partnered with Fair Isaac to deliver the FICO Expansion Score.
Your Credit Score, Your Money, and What's at Stake Book Review
Your Credit Score, Your Money, and What's at Stake by Liz Pulliam Weston goes into details about credit scores, how they're calculated, how they're used, and what's in the future for credit cards.
What is Credit Reporting?
Credit reporting is the process that credit reporting agencies, also called credit bureaus, use to inform banks and other businesses about your payment and spending habits via your credit report.
Help Your Spouse Improve Their Credit
Helping your spouse improve a bad credit score will benefit your entire family in the long run.
Can You Shake a Negative Credit History?
Several factors contribute to a negative credit history, like late payments and high balances for example. Learn what you can do about your negative credit.