6 Tips for Creating a Spending Plan That Helps Your Credit Score
6 Tips for Creating a Spending Plan That Helps Your Credit Score Credit Cards by Maria Shahid Share Share Email Creating a sensible spending plan is one of the best ways a prospective borrower can have a positive impact on their credit score and get approved for a loan — but many people don’t budget […]
Identity Theft In The Making – Stories From A Credit Bureau Insider, Part II
Identity Theft In The Making – Stories From A Credit Bureau Insider, Part II Identity Theft by Steve Reger Share Share Email Early on and long before credit repair as we know it now, when someone said an account was not theirs you could just about take their word for it. Sure on occasion a […]
Can I Build Credit By Becoming An Authorized User On A Credit Card?
Can I Build Credit By Becoming An Authorized User On A Credit Card? Credit Cards by John Ulzheimer Share Share Email I recognize credit scoring can be complicated and sometimes people can make mistakes when covering the topic or otherwise answering consumer questions. Having said that, one of the lesser complicated aspects of credit scoring […]
What Are Account “Ratings” on my credit reports?
What Are Account “Ratings” on my credit reports? Auto Loans by John Ulzheimer Share Share Email Have you ever seen an actual raw credit report? Meaning, a credit report that has been produced directly from a credit reporting agency for the purposes of lending and not a credit report cosmetically changed for consumer consumption. If […]
According to the CFPB, the CARD Act helped to reduce fees and make credit card terms easier to understand
According to the CFPB, the CARD Act helped to reduce fees and make credit card terms easier to understand Credit Cards by John Ulzheimer Share Share Email I’m no fan of the CARD Act, and I think I’ve made that clear. It treats adults like children and assumes that we need to be protected from […]
How Does Tax Fraud Happen?
How Does Tax Fraud Happen? Credit Cards by John Ulzheimer Share Share Email An audit of the Internal Revenue service regarding fraudulent tax returns was requested by U.S. Senator Bill Nelson, a Democrat from Florida. The investigation was conducted by the Treasury Department’s Inspector General, J. Russell George. According to this investigation, more than $5 […]
The 6 Best Financial Moves You Can Make in Your 30s
The 6 Best Financial Moves You Can Make in Your 30s Credit Report by David B. Coulter Share Share Email Financial planning can look a lot different in your 30s than in your 20s. If you’re approaching your 30s, chances are that by now you’ve already learned a thing or two about financial management. Though […]
What’s The Difference Between A Credit Report and A Credit Score?
What’s The Difference Between A Credit Report and A Credit Score? Auto Loans by John Ulzheimer Share Share Email “John, I’ve read where you undress people who say credit scores are used by employers and then you get on them for using credit reports and credit scores as if they were the same things. Isn’t […]
How Late Can My Late Payments Be?
How Late Can My Late Payments Be? Credit Monitoring by John Ulzheimer Share Share Email I think I know where this question comes from. It comes from people who are late paying their bills and want to know just how long they can go before their delinquency is reported to the credit bureaus for all […]
Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out
Are You Accidentally Using A Credit Repair Company? Here’s How To Find Out Credit Monitoring by John Ulzheimer Share Share Email “John, I had a call with a company today that I might hire to help me clean up my credit report. I asked them if they were a credit repair company and they immediately […]