Articles Index
Does my spouse's information appear on my credit report?
When you're married, does your spouse's information appear on your credit report and vise versa? Find out.
What Negative Credit Report Entries Should I Avoid?
Not only will negative credit report information impact your credit score it also hurts your ability get credit cards and loans. Make sure you know what entries are considered negative so you can stay away from them.
Can a Creditor or Collector Sue Me After the Statute of Limitations Has Passed?
The statute of limitations limits the amount of time you can be sued for a debt, but it's up to you to prove the SOL has actually expired.
Why Is My Old Address On My Credit Report?
You may notice your credit report contains several addresses including addresses where you no longer live. There's a reason these old addresses appear on your credit report.
Is my credit score hurt when I check my credit report?
You're encouraged to check your credit report at least once a year, but don't let a fear of hurting your credit score hold you back from checking your credit report more often.
What is a Hard Inquiry?
There are two types of credit report inquiries: a hard inquiry and a soft inquiry. One kind hurts your credit score, the other does not.
What is a Good Credit Card Balance?
A good credit card balance is key to maintaining a good credit score and to staying out of debt.
Does Debt Affect My Credit Score?
Your debt can affect your credit score. Debt affects your credit score in a good way if you have low debt. However, having a lot of debt can hurt your credit score.
Will a Bank Overdraft Hurt My Credit Score?
Payment history is 35% of your credit score, but does that include bank overdrafts? Learn whether overdrafting your bank account will hurt your credit score.
How long does bankruptcy stay on my credit report?
Per the FCRA, bankruptcy can stay on your credit report longer than most negative credit report information.
Who Calculates Credit Scores?
Your credit score is a three-digit number based on the information in your credit score. Who calculates your credit score?
Who are the three major credit bureaus?
There are three major credit bureaus that compile your credit report information.
How do I get a free credit report when I've been turned down for credit?
You're entitled to a free credit report when you've been turned down for credit. You must follow certain steps to get this free credit report.
What Will Happen If I Stop Paying My Credit Card?
Several things will happen if you stop paying your credit card and, in the long run, none of them will be good. Before you stop paying your credit card, look at some alternatives.
How Old Do You Have to Be to Get a Credit Card?
The minimum age to get a credit card is an important thing to know. Technically, you can get a credit card at 18, but you may have to wait a little longer than that.
What does "account closed at grantor's request" mean?
On your credit report, some accounts might read "account closed at grantor's request" or "account closed by grantor." Learn what this means and whether it has an impact on your credit score.
How long does negative information stay on my credit report?
How long does negative information stay on my credit report? The credit reporting time limit keeps negative information on your credit report for a minimum of seven years, with some exceptions.
What Is A Charge-Off
Ever see the words "charge-off" on your credit report and wonder what they mean? When your account has been charged off, it's the creditor's way of saying it doesn't believe you're going to repay the balance.
Can a Collector Contact Me After the Statute of Limitation Has Expired?
The statute of limitations can help if you have to go to court over a debt, but it doesn't impact other collection efforts.
How long until an item shows up on my credit report?
How long it takes for something to show up on your credit report depends on the business reporting it to the credit bureau.
How often should I check my credit report?
How many times a year should you be checking your credit report? At least once, possibly more.
Why is a Debt On My Credit Report After the Statute of Limitations Has Expired?
An account may still appear on your credit report even though the statute of limitations has expired for that debt.
What Can Restart the Debt Statute of Limitations?
Be careful about taking certain actions on a dormant account. You could restart the statute of limitations and give creditors more time to sue you.
What is the credit score range?
There are a few different credit scores with different credit score ranges. Knowing the credit score range can help you figure out whether you have a good or bad credit score.
Where Should I Send Credit Report Disputes?
You should send your credit report disputes directly to the credit bureau who provided the report that contains the error. Each credit bureau has an address where you can send your disputes.